Q: What's the website for obtaining the free credit report you are allowed to get per year?
A: Present credit reporting regulations allow you to obtain a free look at your credit report once per year which can be obtained through https://www.annualcreditreport.com, the website operated by the credit bureaus TransUnion, Experian and Equifax.
You can also request the report by phone at 877-322-8228 or by mail (although you'll need to fill out the official request form from the website to do so).
This is a consolidated report. If you should review the report and find items which need to be clarified or errors which need to be corrected, you will need to contact the individual credit reporting bureau to clear up that specific file. All creditors do not necessarily report to all three bureaus, and you can find entries from a creditor on one or all of the files.
Although the information in the files can be the basis of your credit score, the credit file disclosure does not contain your credit score.
Those scores are developed by other sources, and there are many varieties. The most prominent among them is Fair Isaac Corporation (FICO). If you should want to see your credit score, you'll need to visit MyFico.com; there is a charge for their service.
A 25-year expert observer of the mortgage and consumer debt markets, Keith Gumbinger has been cited in thousands of articles covering a wide range of consumer finance and economic topics in outlets ranging from the Wall Street Journal to the Bottom Line newsletters. He has been a featured guest on national broadcasts for CNN, CNBC, ABC, CBS and NBC television networks and has been heard on NPR and other national and local radio programs. Keith is the primary researcher and writer for HSH.com's MarketTrends newsletter and has authored or co-authored a number of consumer guides on mortgages, home equity, refinancing and more.