A reader recently left a comment complaining that she was unable to get her credit report for free. She used the correct site, annualcreditreport.com. But for some reason she was convinced that the credit reporting agencies were trying to charge her for the report.
Since an amendment to the Fair Credit Reporting Act in 2003, consumers can obtain a free copy of their report every year from the three major credit bureaus: TransUnion, Experian, and Equifax. Having obtained my report many times, I know it is indeed free. But it can be a bit confusing, particularly if you are getting your report for the first time.
So I put together a video tutorial showing exactly how to get your report without paying a dime.