How to Get Your Free Credit Report

Written by Alex Bach

Anyone who’s watched TV over the last decade has likely heard that annoying band singing songs of Free Credit for their eponymous internet company. And those who’ve visited the site have likely found out that Free is a very broad term. So how do you get a free credit report? Are they even out there? Luckily Credit Report Problems is here to set you straight and set you on the path to a truly free credit report.

If you need help or have questions regarding your credit score or errors on your credit report, we’ve got loads of helpful tips and solutions to help you get your credit back on track.


The FCRA, or Fair Credit Reporting Act, mandates that free credit reports be made available to you once every year. These reports come from the three national credit reporting agencies: Equifax, TransUnion and Experian. The scores from these companies are the primary scores accepted by all financial companies.  If all you want is one free report a year, this is the way to get it.

Credit Karma

Credit Karma is a website and mobile app designed to help you manage all aspects of your credit, including, obviously, access to your credit scores. In addition to supplying you with free credit reports, Credit Karma also helps you monitor your various accounts and loans in order to help you keep up your credit score.


Like Credit Karma, Mint is an app designed to help you monitor your credit.  And yes, it is a free app with a free score. The added benefit of Mint is that it isn’t relegated solely to your credit, but allows you monitor all aspects of your finances.

Credit Sesame

Another fantastic credit report app, Credit Sesame gives you free credit score monthly. This allows you to monitor your account and help you protect against fraud.  However, Credit Sesame only gives you your Experian score, you’ll have to look elsewhere to get your other two scores.

Annual Credit Report.Com is an easy convenient place for you to access your yearly credit scores as the site is sponsored by the big three: Experian, TransUnion and Equifax.

Remember, your credit score plays such a large role in your life, it’s important to keep an eye on it in order to protect yourself from fraud or to fix any errors that may arise.