annualcreditscore.com

if you have been declined for a card recently then you are entitled to a free copy of your report

You can get the reports free from the Credit bureaus just by calling them and asking for it.. but they are not going to give you the scores.. and checking your credit actually costs you some points on your scores.

EQUIFAX INFORMATION SVCS LLC EFX265
P.O. BOX 740241
ATLANTA, GA 30374−0241
800−685−1111

TRANSUNION TRU29NM
P.O. BOX 1000
CHESTER, PA 19022
800−888−4213

EXPERIAN XPNTNM1
P.O. BOX 2002
ALLEN, TX 75013−0036
888−397−3742

annualcreditreport.com is another site to actually get a free report..

I actually found a great place to get a copy of all three of your scores from a non-profit organization in Missouri that will not charge you with an inquiry.. the only place i have found.. check out cumic.org.. it's going to cost you $20 but getting individual reports with scoring from the bureaus will cost you $24.. and put an inquiry on file.

You are entitled to receive one free annual credit report every 12 months from each of the nationwide consumer credit reporting companies. It is entirely your choice whether you order all three credit reports at the same time or order one now and others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit report for 12 months.) On the other hand, the advantage of ordering one now and others later (for example, one credit report every four months) is that you can keep track of any changes or new information that may appear on your credit report. If you request your's from only one company today you can still request from the other two companies at a later date. That way you will know your updated credit report every four months.