There is a BIG difference between the legitimate free credit report and that guy that sang about a free credit report. (They charge —how else do you think they could pay him to sing in those green tights on tv ? They also have to pay for all the expensive advertising)
The one that does not charge is: AnnualCreditReport
(However, you will notice that it does NOT have the word ‘free’ in it’s name? It was pointed out that legitimate providers of free credit scores never have the word ‘free’ in their domain name.)
Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.
Get your credit reports from each of three big agencies once a year for free. The first time you check your credit reports, pull all three because the agencies don’t share info with one another, and you’ll want to spot any problems right away.
Then wait until the reports are free again (in a year) and then check a different report every four months or so. If you find a mistake be sure to dispute it.