What is the best way to get latest credit report. Google search says annual credit report. Is it totally safe and legit. Thanks!
Try Credit Karma, Credit Sesame, WalletHub. All are free.
Those usually sell your data.
True ans Everyone sells everyone data lol
Do you just need credit score or the whole “useless” report? For the former banks like captialone and citi offer free credit score estimate.
I was looking for the entire useless report.
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.
Thank you all. Much appreciated.
Does getting free credit report from one of the agencies on anuualcreditreport.com hurt credit score?
No. Pulling your credit report yourself is fine. “Hard inquiries” (aka you applying for a loan, an apartment, etc) — those impact your score.
Ohkay, thanks!
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Your bank usually has free report.