how do you check your credit rating free?
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DON'T use freecreditreport.com - it's a bit of scam. \n\nUnder the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12 month period\n\nUse: http://www.annualcreditreport.com.\n\nUPDATE: \n\nBy the way, thanks to Mrs. Thang and Credit Guru for echoing my comments above. There is some bad info in Credit Guru’s answer that I must address. Going to any of the credit reporting company's websites or myfico.com and ordering and paying for what they represent as your credit "score" is another scam the bureaus are using just to get money from you. I have had customers sit at a computer in my office and purchase this report "WITH SCORE" and 3 minutes later, pull a tri-merge credit report for mortgage purposes (what anyone who is going to evaluate your credit is going to do) and the numbers were SIGNIFICANTLY different (in most cases, lower). If you read the fine print in the scored report that they give you, they tell you that the "model used to deliver the score to you [the consumer] may be different than the scoring model given to a company evaluation your credit worthiness." \n\nAND... since each credit bureau has a patent on their credit scoring formulas, they are not legally obligated to disclose to anyone exactly how they came up with the score (nice, huh?). The only information that credit bureaus are required to disclose to you the consumer under the provisions of the Fair Credit Reporting Act is the information REPORTED TO THEM BY CREDITORS (in other words, they are required to tell you [the consumer] that "Chase Visa (or whoever)" is reporting a balance of $xxx, a payment of $yyy and that you've been late 3 times in the last year. They are, however, not required to disclose to the consumer THIER (the credit bureau’s) OPINION OF YOUR CREDIT WORTINESS (as represent by the score they report to the creditor)). \n\nThere is hope though. If you REALLY want to know what your credit score is, go see a mortgage broker and apply for a loan (Applying for a mortgage in no way obligates you to take a mortgage). As a professional courtesy, it’d be nice for you to disclose that “even though you are applying or a mortgage, you’re mostly just interested in your score and may change your mind about the mortgage once you see your credit report.”\n\nThanks to recent changes in the Fair Credit Reporting Act, creditors (ie: the mortgage broker you went to see) who pull your credit for evaluation are no longer prohibited from showing you what they found (which was a shady part of the law in the first place if you ask me!). In fact, we're REQUIRED to disclose to you EXACTLY what your scores are and the range of scores for each repository reported (as well as a lot of other valuable information). This will be your score as creditors see it and THE only accurate representation of how you're being represented by the bureaus to the creditors. \n\nThese are facts and are accurate based upon my experience of helping hundreds of consumers fix their credit and qualify for mortgages. \n\nSorry it's so long but the truth needed to be told.
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it depends where you live, but if you are in the US, then there are many free credit report services online.  just google "free credit check" and you can find one that fits you. there is also some for the UK as well.  (please rate as "best answer" - i need your help too!)
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A real free credit report without having to sign up for anything is http://www.annualcreditreport.com
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http://www.experian.co.uk/freecreditreport/
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Caution:  Some websites provide the free credit report, but also place you in a monthly subscription for their credit monitoring service unless you cancel.  Some FreeCreditReport.com offers only offer one free report, but try to sell you their 3 reports in one service.\n\nThey include, but are not limited to:\n FreeCreditReport.com which has several links to them including banner links from Yahoo and other websites.\nTrueCredit.com
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www.annualcreditreport.com is free
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http://www.annualcreditreport.com gives you one free credit report from all 3 buearo's every year as mandated by the federal government. Although to see you Fico it will cost you money. Goto truecredit.com to see fico but you will have to pay to know your fico.
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You went to the wrong source.Go to www.annualcreditreport.com  Your credit report from all three reporting agenies is free but your credit score is not.
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http://www.annualcreditreport.com\n\nThis is the TOTALLY FREE website that you can use to get your credit report from the 3 agencies for free - without asking for your credit card or anything.
9369
Look under annual credit report, I believe www.annualcreditreport.com You can do it 3 times per year and I stage it to keep on top of whats on my file. If this was not the correct site you may want to complete a search. Freecredit report is not free.\n\nYou will have to pay aprox $15.00 for your FICO score
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you can get your free credit report online go to www.annualcreditreport.com
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Annualcreditreport is the best free credit report.\nYou can click on the link below, and find out for yourself.\n\nhttps://www.annualcreditreport.com/cra/errorState?currState=&ion=&date=&from=landing
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Somebody here said "wwww.freecreditreport.com," but that's incorrect.  If you go to that site and order a free credit report, you're automatically enrolled in a monitoring program that is free for the first month but $12.95 a month afterward if you don't cancel.  Definitely not what you're looking for!\n\nAs someone here already mentioned, you need to go to www.annualcreditreport.com.  From there you can order a free credit report from TransUnion, Equifax, and Experian.\n\nThe beauty of this is that you don't have to order from all three companies at the same time.  Each allows you one free report per year.  You could order a free report from TransUnion every January, one from Equifax every May, and one from Experian every September, for example, and you'd be able to keep tabs on your credit three times a year.  That'll give you a pretty good opportunity to catch any errors that creep in.\n\nBear in mind that if you want to know your credit *score* - the final rating number - one, if not all, of these sites will charge you a few bucks for it.  They're legally obligated to report your details (accounts, payment history) for free, but not your score.
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You can get a free credit report and score at www.annualcreditreport.com once a year. Most places don't usually give scores, just the credit report, but Experian usually does.
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You can get a free credit report from www.freecreditreport.com, but you have to MAKE SURE you write down the cancellation instructions and follow them by the specified deadline, or you will be charged. (I'm a member of www.freecreditreport.com) If you haven't already gotten a credit score or report this year, the bureaus will give you ONE for free per year (w/o having to order or cancel anything). You can call to order one at one of the phone numbers below.\n\nEquifax (800-685-1111); Experian (888-397-3742); or Trans Union (800-888-4213).
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You can't get the credit score. You can get the credit report at annualreport.com for free. If you look at your reports and how the scoring system works, you can get a general idea what your # would be.
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https://www.annualcreditreport.com\n\nYou can get three reports a year for free (one from each of the 3 credit reporting agencies). Best of all, you don't have to sign up for anything like you do at freecreditreport.com.