Experian, one of the three major credit bureaus, has bought the domain FreeCreditReport.com and converted it to a place where consumers can view their Experian Credit Report for free. There is no credit card required, no trial membership required. Like most of its competitors, “free” does mean that you’ll see advertisements and offers for paid premium features. Checking your own credit will not hurt your credit scores.
All things equal, why not get your credit reports “straight from the source”? If I get my Experian data directly from Experian, that means one less third-party that may have access to my personal information. (I admit, I do sign up for a lot of such sites anyway, and I signed up for this one as well.) Here’s a screenshot (click to enlarge):
Sign-up process. You will need to provide your personal information like name, address, birthdate, and Social Security Number. You’ll also need to verify your identity by answering some multiple-choice questions based on your credit report data.
I’m okay with some unobtrusive ads and upsells in exchange for free monthly credit reports. I have not tried any of their paid premium features. I did notice that when you sign up, it is not mandatory to sign up for their special offers. You can still proceed even if you uncheck the box.
How can I refresh my report? You can refresh your Experian credit report as often as every 30 days, but only if you log in to the website. Many sites operate this way, as it reduces their costs of grabbing your score if you are no longer interested. Also, they want you to log in so that they can show you advertisements.
Bottom line. FreeCreditReport.com is legit, owned by Experian, and offers free access to your Experian credit report. Experian already has all your information anyway. No credit card is required. Being able to get an updated report every 30 days is more frequent than other options.
See also: Get a free copy of your TransUnion credit report (another of the three major credit bureaus) through the TransUnion-owned site called TrueIdentity.