Skip to main content

How to pull all your credit reports for free — and why you should

Credit is one of those things that everyone has to deal with eventually, whether or not you like it or not. As a responsible adult, it’s a good idea to keep an eye on your credit score, and one of the ways to do that is through free credit reports. Under federal law, you can get one free credit report every 12 months from the three major credit reporting companies (Equifax, Experian, and TransUnion). Because of the current global economic problems, the three bureaus decided to provide a free report for those who want it once a week until April 2022. Why is this good news? It can be tricky to know what sites and reports to trust these days, so instead of searching “how to get real credit report free” and weeding through all of the ads, we’ve done the work for you. Keep reading to find out how to pull all your credit reports for free — and why you should.

Financial health

If you’re feeling anxious about your finances during these uncertain times, you are definitely not the only one. Over the past year and a half, many people have experienced changes in employment and finances through no fault of their own. Since credit is super important and follows you throughout your entire life, it’s no wonder this recent uncertainty has many people uneasy about their futures. One way to ease these worries is to face the report head-on and control the elements you can.

Image used with permission by copyright holder

How to pull your credit reports

Don’t use a search engine to find just any free credit report — you don’t know where that will lead you. Since pulling credit involves providing your most sensitive information to the company that will run the report, it’s imperative you trust the source. The only way to ensure a safe credit report transaction is to go to Once there, you can request a report from all three major credit-reporting agencies.

What to do once you have the reports

Each of the three reports is different, and while there could be problems with one of them, the other two may be just fine. Here are the things you should look for and proactive steps you can take:

Look for signs of identity theft

An unfortunate truth of times of economic hardship is that desperate times call for desperate measures. Though credit card and identity theft schemes were prevalent before the global marketplace changed, they are even more frequent now. For this reason, it is crucial to look for activity that looks unfamiliar to you. If you find accounts that you didn’t open or collection notices you never received, you may be a victim of identity theft. If you think you are a victim of identity theft, contact the Identity Theft Resource Center immediately for help.

Image used with permission by copyright holder

Contact the companies you owe money to

Whether you’re aware of all your debts or not, you have to pay them off eventually. While reviewing your credit reports, make a note of the companies you owe money to and haven’t been paying. If you contact them and make an attempt to pay, many of them will work with you. This is an essential step toward improving your credit. Your account will likely change from a delinquent status to a positive, current status once you set up a payment plan or reach a settlement agreement. Some companies offer temporary forbearance periods during times of financial hardships. Not all companies will negotiate debts, but it is worth a shot, and you will definitely feel better knowing the debt is being taken care of, no matter how long it takes to pay off.

Pull and review reports often

Now that you can pull your reports weekly, you can keep an excellent eye on your credit. This is a good thing, especially if you’ve recently set up payment arrangements or temporary forbearance. The CARES Act typically requires that your creditors report these accounts as current, so you need to make sure your efforts are paying off properly. If you do find mistakes on your credit reports, report them immediately to the reporting agency. To find out more about errors and mistakes on credit reports, go to the Federal Trade Commission Consumer Information page and read Disputing Errors on Credit Reports.

We’re living in uncertain times — job uncertainty, economic uncertainty, housing uncertainty, etc. All that uncertainty can make for anxiety and an overall gloomy outlook if you let it. One way to combat the uncertainty blues is by taking control of the few things that you can. While you’re not completely in control of your credit, you can monitor it to ensure that things are reported correctly and that no one is affecting your credit but you. Taking control of your credit feels good, trust us, you’ll rest easier knowing what you’re dealing with.

Editors' Recommendations

Kelly Kaliszewski
Kelly's work has appeared in blogs and on websites. When she's not writing, she is playing with her two dogs, cooking, or…
7 types of construction site accidents and how to avoid them
Construction worker falling from ladder

Construction site accidents are unavoidable. Hard physical labor mixed with heavy machinery and hazardous materials all combine to dramatically increase workplace risks. However, if you're in the construction industry, you were well aware of these risks when you signed up. Workplace hazards come with skilled trades that you don't have if you sit behind a desk. 

Over the past few decades, accidents in construction have become less frequent thanks to safety regulations and systems put in place by OSHA. Also, construction personal protective equipment has improved as technology has advanced.

Read more
The complete guide for building a roof truss
Roof truss system on new roof

The roof of a building is the most critical part of any structure, as it protects the building from the elements. Furthermore, roof trusses are one of the most essential structural parts of roofs. The roof truss is the framework of the roof and has become one of the most reliable and structurally secure methods to build a roof, given they carry the weight of the frame and walls of a home. 

Additionally, trusses help prevent walls from any structural bending or flexing over time. There are many types of trusses on the market in which the truss can ultimately determine the shape of the roof once built. Therefore, let's explore all the methods of how to build roof trusses.

Read more
5 types of heavy construction equipment and when to use them 
Two ethnic construction professionals

Being in construction for years or as a startup can be challenging and lucrative. Having the right heavy equipment can make a big difference in how fast and effective you are. Given all the heavy construction machinery out there, be sure to buy and take care of the right pieces of equipment you need to operate. Not doing so can set your construction business back and give the competition a leg up on you. Without the proper equipment, it stands to reason you will have a hard time completing jobs. Even with the right equipment in place, never take your eye off the need for safety.

Construction job injuries, unfortunately, happen all too often. This is oftentimes due to cutting corners, not taking care of equipment, and so on. Such injuries can range from minor to serious and even lead to deaths at times. Mishaps can be falls, equipment malfunction or improper use, electrocutions, and more. That said, always be safe on the job and review your equipment often to make sure it is properly working.

Read more