Free credit reports?

[grumpyduck]

I just tried logging into the "big three" to get my "free" credit report, but all three wanted a subscription. I thought we could get up to three free ones a year. Any idea how to do this?

[amerikat]

1. I use Credit karma.

https://www.creditkarma.com/

[claudette]

2. I applied

online to receive a paper one in snail mail. Much easier to read and got one from all three credit bureaus. FREE

[Lemonwurst]

3. No no no no no

This is always frustrating - you are allowed by law to receive one free credit report from EACH of the three reporting agencies each year.

www.annualcreditreport.com

This is not a private, for-profit website like Credit Karma, and although they may provide a useful service, someone is paying them, if not you.

We rotate between the three agencies each four months, so we always have an up-to-date credit report every 120 days or so. Again, it’s not only free, this is the result of consumer protection legislation that may have even been bi-partisan back when there were a handful of human Republicans.

[grumpyduck]

4. Thank you!

[Wonder Why]

5. Yes! I use that site. The individual credit report sites are free but they try to upsell you.