Where can I see my free credit report?

The best place to see your free credit report is www.annualcreditreport.com . This is the legitimate website created by the three credit reporting companies – Experian, Equifax and TransUnion, that lets you access your credit report.

Here are some important facts about your free credit report.

  1. The Credit Report is free but not the Credit Score: A lot of people assume that their credit score will come along with the credit report. That is not true. If you want to see your credit score then you will have to pay separately for that.
  2. Contents of the credit report: The credit report will contain information about your credit repayments, credit usage, availability of revolving credit, information about credit pulls and other information related to your credit.
  3. You are entitled to free credit reports from all three agencies: This is a slightly lesser known fact. You are entitled to a free credit report from all three reporting agencies – Experian, Equifax and TransUnion in a given year. So that means that you can either pull up all three credit reports at one go or space them out every four months or so. If you space them out, you will be able to keep an effective tab on your credit report throughout the year for free! If you order all of them at once, you have a great chance to compare and analyze them.
  4. You are entitled to a free credit report under some state laws: The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont.
  5. Don’t use a different website for your free credit report: For getting access to your credit report, you will need to part with your Social Security Number (SSN). You should never give out your SSN, unless you absolutely have to. When you do give it out, make sure it is to authentic websites. Since www.annualcreditreport.com is sponsored by the three credit reporting agencies, it is the most authentic among all others. The other reason is hidden fee charged by others. Some websites will sign you up for monthly subscription under the fine print and then keep charging you a few bucks every month. Unless you read the fine print carefully and opt out of it, you will be surprised by a charge every month.

Keeping a tab of your credit report not only helps you in monitoring whether you are managing debt well, it also helps monitor against identity theft. So it is good practice to make use of your free annual credit report and stay on top of things.

22 thoughts on “Where can I see my free credit report?”

  1. Respected sir.I want to take loan from mahindra finance .They told me yr installments are stopped.last year.my mother has been expired during that period.After that i paid my all balance dues total.so please help Me in this matter .My loan account no.is 1778343,,,my date of birth is 05,03 1972

  2. Dear sir i am apply my loan in m@m financial sarvice and bank.
    They told me your cibil report in not well and rejected my application.
    Sir please confirm where is problem.
    My pan no ALEPA8567B
    Email dattaautade710@gmail.com
    Mob 9421271063
    Mob. 7385570857
    Please help me
    With regards
    D.k.autade

  3. sir, I’m working in pvt company I apply to credit card but i’m not received the card . after checking CIR my account is locked Cibil . how to clear this problem. help me.

  4. Please provide my cibil report
    My Pan No BERPS5134Q DOB- 12/01/1976
    Add ; PLOT NO.1 CHAMUNDA NAGAR SOC, B/H PUNA GENERAL HOS, PUNA GAM SURAT
    Pin-395004

  5. Please provide my cibil report
    My Pan No AJNPJ2458H
    Add ; At-Post- Kothal Tal-Purndhar Dist- Pune
    Pin-412303

  6. Sir i have apply in av finance for alto lxi sir give my civil report whaat problem & Solve my problem help me my mob-9928314360

  7. Dear sir my name is s.ramkumar ,i have applied for housing loan but the bank details says my name is in default of cibil list .kindly please check and do the needful and rectify .I have no dues with any credit card and other loans .i have settled all the credit card payments and also having settlement documents with myself
    please kindly rectify my name in cibil list and help me
    wtih regards .s ramkumar
    my con No is 644577346
    amt: :28000/-
    my mobile no 9840204428
    my email id is srkamjc@gmail.com

  8. SIR,
    I AM APPLYING A HOUSING LOAN PUNCHAB NATIONAL BANK ,THAT TIME MANAGER SAID TO ME CIBIL REPORT SHOWING A GUARONTOR LOAN IT WAS NPA SO MY LOAN ALSO REJECTED ,THIS IS MY PAN NO ACTPVO765A
    WITH REGARDS
    VASUDEVAN R

    1. Dear Mr. Vasudevan,

      To know the details on your CIBIL credit report and your credit score, you need to apply for the same on their website – https://www.cibil.com/online/credit-score-check.do

      The details of the loan you have guaranteed will appear on your report. Always be careful when you sign on as a guarantor for any loan. These details appear on your credit report and if there is a default, it will negatively affect your score.

      For more details you can refer to the following links:
      http://epaper.timesofindia.com/Default/Scripting/ArticleWin.asp?From=Archive&Source=Page&Skin=ETNEW&BaseHref=ETM/2012/11/26&PageLabel=45&EntityId=Ar04400&ViewMode=HTML

      http://www.moneycontrol.com/news/loans/be-carefulyour-cibil-score-if-you-areloan-guarantor-_917787.html

      Regards,
      Credexpert
      http://www.credexpert.in

  9. Respected,

    Myself Vishal Sadashiv Chavan required my father’s credit report, Sice their Pan number shows in CIBIL.
    My father’s Details are as follows.
    SADASHIV GOVIND CHAVAN
    Pan no: AJJPC6597N

  10. SIR, I AM APPLY LOAN IN VARIUS FINANCIAL SERVICE AND BANK. THEY TOLD ME YOUR CIBIL REPORT IS NOT WELL AND REJECTED MY APPLICATION.

    SIR, PLEASE CONFIRM, WHERE IS PROBLEM.

    WITH REGARDS,

    SUNIL

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