Best way of getting credit report

CVS Health Merry
Feb 10 12 Comments

What is the best way to get latest credit report. Google search says annual credit report. Is it totally safe and legit.

Thanks!

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TOP 12 Comments
  • PG&E MaxaM
    Try Credit Karma, Credit Sesame, WalletHub. All are free.
    Feb 10 2
    • Those usually sell your data.
      Feb 10
    • Oscar 🐨koala
      True ans Everyone sells everyone data lol
      Feb 10
  • Intuit b7x1s
    Some people recommend rotating such that you get one per bureau every four months, since you can only request one report per bureau in a 12 month period.

    That site is legit. I believe it’s federally mandated.
    Feb 10 1
    • Google nlxS44
      Yes. annualcreditreport.com
      Feb 10
  • IBM oopsss
    Does getting free credit report from one of the agencies on anuualcreditreport.com hurt credit score?
    2d 2
    • Intuit r9v7ki
      No. Pulling your credit report yourself is fine. “Hard inquiries” (aka you applying for a loan, an apartment, etc) — those impact your score.
      2d
    • IBM oopsss
      Ohkay, thanks!
      2d
  • Oscar 🐨koala
    Do you just need credit score or the whole “useless” report? For the former banks like captialone and citi offer free credit score estimate.
    Feb 10 1
    • CVS Health Merry
      OP
      I was looking for the entire useless report.
      Feb 10
  • CVS Health Merry
    OP
    Thank you all. Much appreciated.
    Feb 10 0
  • Your bank usually has free report.
    Feb 10 0