Free Credit Report Online

Free Credit Report Online is a great way to find out what's in your credit report without paying a penny!

Yes, it's really FREE, and it's safe. Here's how it works:

1.  Request your free credit report online.

2. You get to see your free credit report online, and you get an introductory free membership for online credit monitoring

If you continue the monitoring service past the 30 day intro, you'll be able to get your credit report online instantly again and again, whenever you need it for a whole year, without waiting!

3. If you choose not to continue with the monitoring service, you may cancel at any time during the free trial period, and your credit card will NOT be charged. The free credit report online is yours to keep!

4. After the trial period, you have a six-month money-back guarantee: If for any reason you are dissatisfied, you can cancel and receive a pro-rated refund.

What is Online Credit Monitoring?

A good credit rating is important to your financial security, and checking your credit report regularly is crucial to catching and correcting inaccuracies before they cause a problem. It is one of the only ways to detect identity fraud if it is perpetrated against you.

Credit Report Online Monitoring makes it easy to stay on top of your credit, and the unique fraud monitoring features help you catch possible fraud early and keep it from ruining your credit.

  • Free credit report online as part of your FREE 30-day trial.
  • Unlimited free credit reports anytime during your membership, with the option of secure online delivery for the fastest access to your information.
  • Credit Report Key to help you understand your credit report
  • Online Monthly Monitoring Alerts to inform you of several important changes to your credit file:  New derogatory information, recent inquiries into your credit, and several indicators of possible credit fraud.
  • The option to choose mail delivery, if you prefer. With mail delivery, you  receive a printed Quarterly Monitoring Alert by mail
  • Details on how you can dispute inaccurate information on your credit report.
  • A quarterly newsletter with helpful articles on issues that affect you as a credit-active consumer.
  • A toll-free number, where you can call experienced Customer Service Representatives with any questions you have about your report or your membership.
  • Access to the exclusive Members-Only areas of the Web site, where you’ll find all kinds of additional tools and articles to help you stay on top of your credit.
  • A money-back guarantee: if you choose to cancel within 6 months (180 days) of when you were charged, you will receive a prorated refund of the current year's membership fee. And even if you do cancel, the free credit report online is yours to keep.

There is no risk!

All the details are provided with the online order form, which you can see here.


With your free credit report online, you get to up to 30 days to sample, also free, the benefits of online credit monitoring, the service that helps you keep a close watch on your credit file all year long.  Most importantly, the first 30 days are free. Your credit card is not charged if you elect not to continue past the trial period, but as part of the trial you get a free credit report online  You get to keep your FREE credit report even if you cancel!

When you continue with credit monitoring, you can get your updated credit report as often as you wish, and you are sent monthly notifications of important changes in your credit. It is a good way to help detect fraud and identity theft. It is also invaluable to you if you are working on improving your credit, or if you have a very active credit file. See if it is right for you, and get a free credit report online.


Also available...Canadian credit report   Canadian credit report.
(Canada residents only.)

Free credit report EnglandFree UK credit report.
 (Great Britain residents only.)

Read our articles about credit and credit reports...

Credit report news

How to correct credit report errors

Billing disputes and your credit

Credit reports and buying a car

Establishing or re-establishing credit

Credit in marriage and divorce

How long will it be on your report?

How to get a free credit report

Online credit report guide and free credit report online

Order your personal credit reports here...

Instant Online Credit Report

Triple merged credit report

Personal credit monitoring service

Your credit score with credit report and personalized analysis