Access Your Credit Report Online

Credit Report Access Options There are two main ways to access you credit report by using the Internet. You can request a free copy of your credit report once a year from the three major credit reporting agencies. You can pay a company to allow you to access your credit report. Often these companies provide additional services that add value to the report itself. Here are the basic options.

Credit Report Access: Free Annual Access A recent amendment to the federal Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months. The three nationwide consumer reporting companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, click on www.annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form can be printed from www.ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are only providing free annual credit reports through www.annualcreditreport.com, 877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.

Quarterly Credit Report Access Plus Credit Monitoring For one annual fee you can get access to your credit report, updated 4 times a year. Plus you will get weekly credit monitoring and additional services. Now iCreditReports.com can provide the following services: Weekly Credit Monitoring Emails You will receive weekly email alerts about changes in your credit report. You can easily detect fradulent activity, new credit inquiries, new accounts, late payments, and more. Identity theft is the fastest growing crime in America. The sooner you detect it and take action to fight identity theft, the less damage will be done. Quarterly Access to Your Updated Credit Report You'll get a brand new credit report four times a year. Your reports are easy to read and have color graphics with a free interactive guide. With up-to-date knowledge you will be better positioned to know how you stand with creditors. Credit Monitoring You get updated credit scores four times a year plus personalized analysis showing you how to improve your score. This will help you get better lending rates as well as quicker lending approval. This will save you lots of money in the long run. Debt Monitoring You'll get an up-to-date analysis of your debt to income ralationship four times a year plus important advice for improving your debt management. Your credit score depends, in part, on the amount of debt you have. Improving your debt to income ratio will greatly help improve your credit score. Powerful Tolls for Analysis You be able to see graphically how your credit score is improving with colorful charts showing trends in income, debt, credit score, and more. The more you know, the better able you are to imporve your situation. Now you can try this service free for 30 days. Go to iCreditReports.com now to start your free trial. You'll soon see that this is the most valuable service you've tried on the Internet in a long time.