The first place to get your credit report is from credit bureaus themselves. Once a year, you can get your report from each of them for free. If you credit or loan application is rejected recently, you can also request a copy of your credit report for free.

If you have used up your quota, you can pay a nominal fee to get your report. The cost is around $30 and is subjected to change anytime. However, the savings you will enjoy on your loan rates when you improve your credit score will more than pay for the cost of the reports.

Although you can get the credit reports for free, you will have to pay a fee to get your credit score from them, as the credit bureaus do not include it in your reports.

There are also a number of companies that offer free online credit reports. This means you can see the content of your won report without waiting for a physical copy to be send to you.

However, you will need to read the online company’s agreement very carefully. Although they promise you get credit reports for free, there may be strings attached. For example, some companies will require you to purchase a credit repair program or service before granting you access to your report. Other companies may automatically enroll you into a credit monitoring service. Although in most cases, you can decline the offer and still get the report but some companies may follow this practice.

There are some companies that offer you a 3-in-1 type of report. This is actually a combination of reports from the three major credit bureaus. This may not useful if your purpose is to repair your credit. Getting your report from each of the three credit bureaus is a better option since the content is not identical.

Another source to get you free report is the site at www.annualcreditreport.com. You can get this credit report online at their website, through email or by calling 1-877-322-8228.

No matter where you get your credit score and credit report, make sure that you get the most complete information package you can. You should get both your credit report and your credit score together, even if you have to pay extra. You can’t really do effective credit repair if you have one without the other.

If you want to improve your credit score legally, check out this credit improvement resource at NetCreditGuides.com. For more useful credit tips, visit his credit blog and receive a free credit book too.

Related Articles