Free Credit Report Online or by Mail
Government Yearly Free Credit Report

Fortunately, it's easy to obtain your Free Credit Report online, and it's extremely important that you do so. You need to check your Credit Reports from all three major Credit Reporting Agencies (Equifax, TransUnion and Experian) for accuracy. Any errors on any of these 3 reports can cost you greatly on your Credit Score which affects you when applying for credit and for some jobs. Unfortunately, I almost always find at least one error on one of my reports per year. It's not a perfect system. And sometimes it's not easy to get them to fix an error either. I've had a situation where even after providing proof of an error, the agency did not correct the error until after I went a step further and got the company that made the error to write a letter/email acknowledging their mistake.

Free Credit Report Online or by Mail
Government Yearly Free Credit Report

If you’re not already getting your free Credit Report online from each of the 3 Nationwide Consumer Credit Reporting Companies (Equifax, Experian and TransUnion), I’m am going to tell you where to get them. Under the FACT Act, you are entitled to receive your free credit report online or by mail from each of the credit reporting agencies once per year, and you should be doing so. Despite the clever commercials with singing and dancing people in costumes that you see on television claiming to provide you with a yearly free credit report, these sites have a catch. You have to sign up for a credit monitoring service that you will have to pay for. So much for free! Read my lips… THERE IS ONLY ONE LEGITIMATE SITE TO OBTAIN ALL 3 OF YOUR YEARLY FREE CREDIT REPORTS, and that site is…. (drum roll please), - You can request your yearly free Credit Reports online; or you can call 1-877-322-8228 and you will go through a verification process over the phone; or you can request your free credit reports by mail.  Simply download the request form, print and complete the form, then mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

When you go to look at your Yearly Free Credit Reports online, Equifax, Experian and TransUnion will offer to provide you with your Credit Score for a small fee. If you decide to pay for your Credit Score, you should know that most lendors typically use the FICO score that is provided by Equifax. Your Credit Score from each agency may differ slightly, because each report may not contain the exact same information, or one Agency may have updated payment information (say for a Mortgage or Credit Card), or have information about a new credit card that you've obtained, etc., sooner than the others.

Were you recently denied something 
based on your credit?

Free Credit Report Online

If you applied for credit, employment, insurance, rental housing opportunity or government license or benefit and were denied based on information provided by a Credit Reporting Agency, and you receive a denial letter stating so; then under the Fair Credit Reporting Act, you are entitled to a free copy of your credit report. You must request your free copy within 60 days of the date on the denial notice.  

I have provided the information that you will use to obtain your free credit file below. Should you decide to call, rather than request it online, you should realize that these are all likely automated systems. When they ask you if you want your Credit File and/or Credit Score, be certain to only request the Credit File/Disclosure, because they will charge you for your Credit Score and ask for credit card information.  The only thing that is Free is your Credit File/Disclosure. Also, be certain to answer that you're requesting the credit file due to "denial," not the free annual FACT Act credit report that I mention in the first section of this page or other reason, because again, they may try to charge you for the report.  Other than that, the phone call is pretty simple and brief.

If you were denied due to information provided by: 

Call and request your Free Report at: 1-800-685-1111
Or visit Equifax and request your free credit report online

Call and request your Free Credit Report at: 1-866-200-6020
Or visit Experian and request your free credit report online

Call and request your Free Credit Report at: 
Or visit TransUnion and request your free credit report online

Where you can get Free Access to your TransUnion and Equifax Credit Reports and Scores year-round

There is one company, that I myself use, that will provide your TransUnion and Equifax Credit Reports and Credit Scores absolutely free, and they are CreditKarma.  You do not need to provide any credit card information, and you do not need to sign up for anything.  They are able to offer this free service due to advertising, and because, based on your credit information and scores, they are able to determine which credit offers (such as credit cards and loans) would be best for you and they "recommend" these offers to you.  You can ignore them, or if you're looking for additional credit, or to consolidate, you can apply for one of the suggested/recommended offers. Unlike the free government credit reports mentioned above, CreditKarma provides you with free reports and scores updated monthly.  I suggest that you make use of both resources.

Discount Fanatics

Free Credit Reports
Free Credit Scores

From Free Credit Report Online to Home Page

Visit Discount Fanatics's profile on Pinterest.

Resources & Tools

Search Our Site:

Search the Internet:

Sponsored Link

Grocery Coupon Savings

Free Prescription Drug Card

This free card will save you up to 85% off of your prescription drugs at the pharmacy! Input some info and print it or wait for a card to arrive in the mail. Easy peezy!

Prescription Discount Card

Limited-time & other Offers


I would like to THANK YOU for this site...For a stay at home mom like myself, everything I needed for couponing, work at home info, etc is all provided on this one site. It gives me ideas and keeps me on my toes. THANK YOU!!! GOD BLESS YOU!! Damaris I., USA

OMG, I just love your site! It’s jam-packed with stuff to save me money! I never even knew about the cash back shopping thing until I came here. I shop online every couple of days and always went right to the store’s websites. Who knew?! I’ve already earned back $115.48 by signing up and using the sites you suggested. And the money I’ve saved by switching over 3 of my prescriptions to the one’s on the generic list at my local WalMart –wow! I still haven’t seen your whole site, there’s so much available. Just wanted you to know that Discount Fanatics ROCKS!!! Adrianne P., USA

Hi, I was new to couponing and I came across your site. I just wanted you to know that I read through your couponing 101 course and your related materials about couponing and it was so easy to understand, thorough and detailed. I love that I’m even able to print coupons from so many sources right from your website. It’s amazing how much information you provide to us for free and I thank you. God Bless. Trina, USA

I got sick of my cable tv company raising their rates, so I was looking for alternatives to paying for the high price of cable like many others. Your free tv episodes list is GREAT! The links to the Networks and Cable Networks don’t just take me to their homepage, it takes me directly to the page where I view the tv episodes. Man, you guys are on the ball.  I come here everyday to link to whatever program or network I plan to watch. Matthew B., USA

Send your testimonials through my Contact Us Page. Only first name and last initial (unless you request that I only use initials) will be used.