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What's coming up next year for mortgage rates... the Fed... housing markets... home prices? See HSH's 2022 Outlook for our expectations!

What's coming up next year for mortgage rates... the Fed... housing markets... home prices? See HSH's 2022 Outlook for our expectations!

What’s the website for obtaining a free credit report?

Q: What's the website for obtaining the free credit report you are allowed to get per year?

A: Present credit reporting regulations allow you to obtain a free look at your credit report once per year which can be obtained through https://www.annualcreditreport.com, the website operated by the credit bureaus TransUnion, Experian and Equifax.

You can also request the report by phone at 877-322-8228 or by mail (although you'll need to fill out the official request form from the website to do so).

This is a consolidated report. If you should review the report and find items which need to be clarified or errors which need to be corrected, you will need to contact the individual credit reporting bureau to clear up that specific file. All creditors do not necessarily report to all three bureaus, and you can find entries from a creditor on one or all of the files.

Although the information in the files can be the basis of your credit score, the credit file disclosure does not contain your credit score.

Those scores are developed by other sources, and there are many varieties. The most prominent among them is Fair Isaac Corporation (FICO). If you should want to see your credit score, you'll need to visit MyFico.com; there is a charge for their service.

Ask the expert
Keith Gumbinger
Keith Gumbinger
Mortgage Expert
Vice President, HSH.com
About Keith: Mortgage market observer and analyst with 35 years experience... (more)
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