Do You Know What Is On Your Credit Report? Find Out Free - Really!!!

Real Estate Broker/Owner with Garrigus Real Estate CalBRE# 01844442/01844441

Do You Know What Is On Your Credit Report? Find Out Free - Really!!!

So I was going through my email today, and came across an email from Trans Union reminding me that I hadn't signed into my account with their website to review my credit report since last year.

I check my credit reports and my wife's once a year just to be sure there's nothing on them that I don't know about. But before you rush off and buy a peek of your credit reports, either through the so-called free credit report websites, or pay the credit bureaus themselves, I've got a well-known secret to share with you-

Credit ReportThanks to a federal law, everyone single person is entitled to one free credit report from each of the credit bureaus per year. Yep. Equifax, Experian and TransUnion all are required to allow you access to your credit reportsonce a year. And there is a very easy way to access all three reports.

Just go to Its a website provided by the combined efforts of Equifax, Experian and TransUnion. It is free, but be careful. They have certain upgrades they try to convince you to sign up with. Some upgrades are good, some are not. Just be sure if you do upgrade, its right for you. But again, watch everything you're doing, otherwise you could end up spending money when you had no intent to.

Also keep in mind that while you are allowed to see all three of your current credit reports, that does not entitle you to view your FICO score. If you want that you'll need to buy it.

So I'm off to check my credit reports and make sure there's no funny business in there!



Posted by

Todd & Devona Garrigus

Broker / REALTORS®

951.490.3698 | Direct for Todd
951.490.3683 | Direct for Devona
CalBRE# 01844442/01844441


Re-Blogged 1 time:

Re-Blogged By Re-Blogged At
  1. Devona Garrigus 10/29/2011 10:58 AM
Lending / Financial
California San Bernardino County Yucaipa Hidden Meadows
Coldwell Banker Platform for Sharing Information
Inland Empire Marketing
southern california real estate agents
Beaumont CA Real Estate
Coldwell Banker Kivett-Teeters
credit score
experian and transunion

Post a Comment
Spam prevention
Spam prevention
Show All Comments
Tammie White, Broker
Franklin Homes Realty LLC - Franklin, TN
Franklin TN Homes for Sale

I also take advantage of this free site.  It is so smart to check your report every year to make sure there isn't something there that shouldn't be.

Jan 15, 2010 03:41 PM #1
John Pusa
Berkshire Hathaway Home Services Crest - Glendale, CA
Your All Time Realtor With Exceptional Service

I will get a free credit report. Thank you for sharing an informative and helpful post.

John Pusa

Jan 15, 2010 04:21 PM #2
Norma J. Elkins
Elite Realty Group - Morristown, TN
Realtor - Elkins Home Selling Team

Thanks for sharing - I am going to check this out!

Jan 15, 2010 10:49 PM #3
Dave Sullivan
Real Estate One - Birmingham, MI
Michigan Realtor with an investor viewpoint

Good info if you would like to watch me order my free credit report and find out how to get your real FICO score for free watch this

Jan 30, 2012 12:22 AM #4
Todd & Devona Garrigus
Garrigus Real Estate - Beaumont, CA
Broker / REALTORS®


I checked out your video. Great stuff! And thank you for your comment.

Jan 30, 2012 06:50 AM #5
Jeff Jensen
The Federal Savings Bank/Lending in 50 states - Greenwich, CT

Keep in mind that free credit reports use a different scoring model form mortgage reports.  The free scores are invariably higher.

Aug 05, 2014 08:00 AM #6
Sybil Campbell
Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia - Williamsburg, VA
REALTOR® ABR, SFR, SRES Williamsburg, Virginia

Thanks for the information I know I have good credit but it's nice to see the reports too!

Aug 05, 2014 08:31 AM #7
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

I have used this website in the past but haven't in a while. Thanks for reminding me. 

Aug 05, 2014 10:49 AM #8
Karen Mathers - REALTOR®
Keller Williams Vero Beach - Vero Beach, FL
When it Matters, Choose Mathers! 772-532-3221

Fantastic post!  I will be sharing this information with friends, family and clients! 

Aug 06, 2014 01:33 AM #9
Lee Davenport
Sandy Springs, GA
Learn With Lee: Real Estate Coaching & Consulting

Thanks!  Plus, many credit card companies like Capital One now offer free monthly monitoring due to the rash of data breaches in the last few years.

Aug 07, 2014 04:01 AM #10
Kevin J. May
Florida Supreme Realty - Hobe Sound, FL
Serving the Treasure & Paradise Coasts of Florida

Todd & Devonna, this is almost always the first recommendation I make to first time Buyers.  I change it up a bit by cycling the free reports throughout the year.  When and if a hiccup arises you can nip it in the bud every couple of months instead of the full year.  A very good posting for anybody!  

Aug 08, 2014 11:27 PM #11
Todd & Devona Garrigus
Garrigus Real Estate - Beaumont, CA
Broker / REALTORS®

Kevin J. May Thanks for the great suggestion and compliment. I like the idea of cycling through the reports.

Aug 09, 2014 04:04 PM #12
Post a Comment
Spam prevention
Show All Comments

What's the reason you're reporting this blog entry?

Are you sure you want to report this blog entry as spam?


Todd & Devona Garrigus

Broker / REALTORS®
How can we help you?
Spam prevention