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You Have The Right To A Free Credit Report
From or 877-322-8228.
The ONLY Authorized Source Under Federal Law.
Take Me To The Authorized Source

How To Get a FREE
Copy of Your Credit Report!

You are entitled to receive a free copy of your credit report from a credit reporting agency if:

  • You have been denied credit, insurance or employment within the past sixty (60) days based on information in a credit report provided by such agency.

  • You certify in writing you are unemployed and intend to apply for employment during the sixty (60) day period beginning on the date on which you made such certification.

  • You are a recipient of public welfare assistance.

  • You have reason to believe that your file at such credit reporting agency contains inaccurate information due to fraud.

In addition, by law, you are entitled to receive a free copy of your credit report once a year from each of the three major credit reporting agencies. Otherwise, a consumer reporting agency may impose a reasonable charge for providing you with a copy of your credit report.

Please note that this website and our organization does not provide free credit reports. As noted, you have the right to a free annual credit report from or 877-322-8228, which is the ONLY authorized source under federal law. To get your free annual credit report go to

Should you conclude that you are not eligible for a free credit, you may also get a free report by enrolling in a trial membership program. Upon enrollment you are provided a free credit report. By using this method, should you continue the trial membership you will have to pay a fee. However, you may cancel the membership, typically within 30 days, and keep the free credit report.

Other than being eligible for a free credit report as mandated by state law, or through enrollment in some type of membership program, because of the costs associated with providing credit reports, we are not aware of any other method of obtaining your credit report for free. Those who wish to purchase their credit report quick and easy may do so online.

It is important to note that each credit reporting agency maintains their own files on consumers, and more often than not, each report will be different from the other two agencies. Businesses, employers and lenders may elect to check your credit report from any, or all, of the three agencies. Therefore, in order to conduct a thorough review of your credit files, you really need to review your report from all three agencies.

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Center For Debt Management

Center For Debt Management

The Center For Debt Management

Helping Consumers Save Money and Reduce Debt Is Our Only Business!

We invite you to explore the sectors listed below. We promise that you'll find exceptional values, offers and resources to reduce your living expenses and to enjoy life! But First—if you're over-your-head in debt—get a free no-obligation debt consultation right now!

Debt Management and Financial Services! The Internet's oldest and most comprehensive debt management agency! Resources for debt management, consumer credit counseling, debt consolidation loans, debt settlements, legal aid, financial aid, credit and financing, credit reports, budget software, insurance, income resources, tax assistance and more. Get out of Debt! Call Now — 1800DEBT.COM

Established In 1989 and Serving The Online Community Since 1992!

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