Did you know that by federal law you are entitled to a free credit report?

Each of the 3 consumer reporting credit agencies must supply a copy every 12 months when a consumer requests it. TransUnion, Experian and Equifax are the 3 major credit reporting companies.

Everyone should check there credit report for several reasons. Identity theft is becoming a common occurrence and can have permanent consequences. You have to be sure that everything on your credit report is yours and it is accurate at all times.

If you are thinking of purchasing an expensive item like a car or house, knowing the information on your credit report that the lender is going to use for an offer will give you the ability to negotiate the best deal.

To get a copy of your free credit report you can make your request online, by mail, or by phone. The easiest and fastest way is online and instructions for how to do that are below. The following steps will show you how to check your credit report online.

By following these steps you will be able to receive your free credit report.