With all the hype of identity theft people are becoming more and more concerned about what may be in their credit report.  With the internet, it is now possible to find out with just the push of a few buttons. There are many ways to get a free online credit report. You could go to a credit monitoring sight, or the sight that is specifically set up for you to receive the free annual credit report the government says you are entitled to.

To receive your free online credit report from a credit monitoring service, simply “google” the key words free credit report and google will come up with thousands of results. Most credit monitoring companies offer to let you view your credit report online free for 30 days, then they charge you a monthly fee to “monitor” your report, emailing you when there are any changes. This is good if you want to keep an eye on what is happening. If you choose not to use the service, just contact them within the 30 day limit to cancel the service, being sure to allow them enough time before they start the billing.

Another way to receive your free online credit report is by visiting www.annualcreditreport.com.  This site will allow you to view your report from all three of the major credit reporting agencies; Experian, Equifax, and TransUnion. Each one will ask you to verify some personal information and then let you view your free online credit report. This service is available to you once a year.

Once you have viewed your free online credit report, make sure that you print a copy of each one out, noting the discrepancies and which agencies they are with. If there are discrepancies in your free online credit report, be sure to contact the credit reporting agency immediately to dispute the information.