In the next six months or so, my husband and I would like to buy a house. It's time to start our family and we both feel that by buying a house this will point us in the right directions. Two weekends ago, my husband I went and looked at a potential house but after talking to a broker we learned that our credit would not be good enough for a loan. After we were told this, I did a lot of research on what I needed to do next. One of those things was to see what exactly was on my credit report.
I had heard that annualcreditreport.com offered you a free credit report every year from all three credit bureaus. So I logged onto the website and sure enough I was able to pull from all three. This to me was the best thing since sliced bread because the other credit report websites offered your report for free but you had to sign up for a free trial. This means I needed to give my credit card and worry about canceling something I didn't want before my thirty days was up or else they would charge me.
The only downside of this is that whereas the others gave you you're scoring without charging your credit card up from; Annual Credit Report.com does not give you your score. You have to pay $5.95 for each report just to get your score. I didn't pay that because just being able to see what was on my report was enough for me.