Answers to common questions about ordering your Free Credit Report

What do I receive when I order my Free Credit Report

As an introductory member for 7 days, you'll receive your TransUnion, Equifax and Experian credit reports in a 3-in-1 format that is easy to read and understand. Your reports are full length, not abridged in any way. You also receive 3 credit scores from the same major bureaus. In addition, you receive credit monitoring, a service which reports changes to your credit reports via email. Membership also allows you to check all 3 credit reports AND credit scores whenever you like! This comprehensive package gives you an unprecedented amount of control over your credit.

How long does the process of getting my free credit reports take?

Once you enter your personal information and submit it, you will receive a Welcome email with instructions on how to access your free credit reports and credit scores online securely. In general, the process is very fast.

Make sure to check your email program for new mail. If you don't receive your email, check your junk mail folder in case the email was filtered. You will need your membership number and Zip code to log-in.

How secure is my information?

Extremely secure. Your personal credit information and identity are protected with advanced security technology to ensure their safety. We use 128-bit Secure Socket Layer (SSL) encryption to protect your information throughout transmission.

We further protect you internally on our site as well by providing you with password-protected membership. You can feel confident in our state of the art security which meets all Verisign requirements.

What is credit monitoring and why is it important?

Credit monitoring is the latest tool on the market to help you manage your credit standing and guard against Identity Theft. By notifying you of any changes to your credit report, you stay on top of your credit. Monitoring also allows you to track your successes while you're rebuilding your credit or trying to increase your credit scores.

Monitoring is an excellent fraud warning system. You'll see any unusual changes that may indicate fraud as soon as they report - changes such as unauthorized new credit accounts, late or missing payments, or strange addresses. Having this lead time is invaluable. Most people never realize fraud is happening because they don't check their credit report on a regular basis.

How do I cancel my free membership if I decide it's not right for me?

Please call 1(877)379-5036 to cancel your membership before the end of your trial period with no charge.

Why do you need my credit card number if the offer is free?

We charge an initial $1.00 enrollment fee which is refunded if you cancel within the 7-day trial period. We believe you'll like the credit monitoring service so much that you'll want to extend your 7-day trial membership. Your credit card number is held for processing your subscription. Of course if you cancel before 7-days, you will owe nothing and keep your free credit scores and free credit reports.

How quickly may I cancel?

We suggest that you try it for a few days and receive a Credit Alert to see if you like credit monitoring service. However you may cancel at any time in your 7-day trial period.

Can I use any Web browser to see my credit report

We recommend using Microsoft Internet Explorer or Netscape Navigator, versions 4.0 and higher. Other browsers may not support full functionality.