Have you ever bought your credit report online? Did you ever wonder which credit reporting sites are the best and which ones are a waste of your time.  In this article I’m going to talk about where you can get cheap credit reports from and where you shouldn’t.

The Best Place To Get A Cheap Credit Report

If you’ve been searching on the net you’ve probably noticed the large amount of companies out there claiming you can get your cheap credit report through them.  You’ve probably even seen them on TV.  So which of them are right?

The answer is annualcreditreport.com, because they are backed by the three major credit bureaus, Equifax, Experian, and TransUnion.  The other companies out there are not backed, in fact a lot them are charging big fees to use their services when you can go to annual credit report and get them all free.

However, even though you get all of the reports free you won’t get the credit score free.  That will cost you an extra $7 per report.  That’s still cheap though considering some website are charging monthly fees of $30 a month to access your credit report.

The Proper Way To Pull Your Credit Report

Now that we know the best place to get your credit report from we should talk about how to properly pull your credit report from them.  I say this because most people will go to the site and pull all three of their reports at one time.

The reason I say this is because you are allowed one free credit report every 12 months through Equifax, Experian, and TransUnion.  Spreading the reports out over a 12 month time span allows you to see your credit more frequently and spot mistakes sooner rather than later.

In Closing…

The next time you are looking to buy a home or even get an unsecured credit card, you know where to get a cheap credit report so you won’t make the mistake of hurting your credit score