There are many websites that offer free credit reports and scores. Unfortunately, these offers are often misleading, as most require a credit card number and an enrollment into a trial monitoring service before the free products are delivered.
There are two websites on the Internet that offer completely free credit reports without any strings attached. They are AnnualCreditReport.com and Quizzle.com. All that is required is a social security number to verify the user's identity.
AnnualCreditReport.com is a government website that has been established under the Fair Credit Reporting Act (FCRA). It provides users with a free copy of their credit files every 12 months. These can be retrieved from any of the three main credit bureaus in the country. They are Equifax, Experian and TransUnion. Bureau credit scores are not included in this offer but can be purchased for an additional fee.
Quizzle.com is another website that offers free credit reports without any conditional obligations. There's no need to enter a credit card number or even a social security number. Quizzle is able to find a person's credit file through a series of questions asked. Users who are able to truthfully verify their identity are provided with a free copy of their Experian credit report and score. The website is able to provide these free offers through various advertising revenue that is collected.
Consumers should regularly check their credit histories for reporting errors. They can do this for free through AnnualCreditReport.com and Quizzle.com. One popular course of action is to obtain a different bureau credit report from AnnualCreditReport.com every 4 months. Rotate among the three credit bureaus. That should allow the consumer to continuously spread their credit file retrieval through the year.