Your source for information about free credit reports, improving your credit score and understanding your credit.

Online Credit Reports

To get started, read about credit reports, credit scores, or learn how to improve your credit. If you want to keep a close eye on your credit history, you may consider a credit monitoring service.

If you have further questions, view our frequently asked questions.

Read about my experience requesting a free credit report.

Every consumer in America has a credit file associated with their credit history. Credit bureaus keep track of your open accounts, when you make payments, how much you owe, and several other credit-related items. The lower your credit score, the more you will have to pay on credit cards, loans, mortgages, and insurance. People with the highest credit scores are rewarded with the most favorable terms on credit.

Very few people have a good idea what their credit report looks like or what their credit score is until after they apply for credit. Most people go in and apply for a loan, credit card, or insurance and cross their fingers and hope their credit score is high enough to qualify for the loan at a decent interest rate.

The purpose of this website is not to give legal advice, but rather to provide a comprehensive and objective look at the credit report and credit scoring industry. Recent changes in the Fair Credit Reporting Act make it easier than ever before to obtain a copy of your credit report so you can go into your next credit application armed with the power that comes with knowing exactly what your credit scores are. We'll explain the entire process to make it as easy as possible to request your free credit report and understand what you see in the credit report.

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