Can you really get a free credit report online?

You cannot get the score, but every credit reporting agency (TransUnion, Experian, and Equifax) is supposed to make available one free credit report a year for you.  Lots of websites claim they are giving you a free credit report, but they require you to offer up a credit card or debit card to get you to buy subsequent reports, as well as sign you up for some monitoring service you can later opt out of just to view the free report.

Now while these monitoring services are worth it, you really have to weigh what your option are, and what you are looking for at the moment.

www.AnnualCreditReport.com - This is one of the places you can get a truly free credit report from all three credit reporting agencies.  You will not get your FICO score, but you can get the report and begin the dispute process from there if you see anything that is wrong with the information.


If you would like to call the credit agencies instead, here are their contacts:

EQ Website to download report, score, and do online disputes **EASY!!**  Click Here

EQ Business Line (also has option for Personal): 888-202-4025

EQ office in GA: 800-685-1111
EQ Dispute Fax #:  888-826-0573, 888-826-0549, 888-729-0083

EQ Business:  802-304-0364

EQ: 800-797-6801

CSC, EQ's Credit Reporting Outsource:

   866-264-4878

   281-878-1900

   281-878-4848

   800-305-7868

CSC Fax: 281 878 4999

EX office in TX: 888-397-3742

EX Business:  888-211-0728

EX: 800-493-1058 or 888-397-3742 (automated answer, but keep pressing "0" every time the recorded voice starts, and eventually you should get a live person)

EX Dispute Fax: 972-390-3838

TU office in PA: 800-888-4213
TU: 888-259-6845 (6am-12 pacific time)
TU: 800-916-8800 (consumer relations)

TU Dispute Fax: 610-546-4606, 610-546-4771

Innovis:

Automated Info/Dispute:  800-457-0247

Corporate Office:  614-223-0647