Are there any websites that really offer FREE credit reports?

Reporting M-F’er asked:

Not some scam, asking you to sign up to some BS website for a 1 year membership and yadda yadda yadda.


Answer: If you’re looking for a free annual credit report, you can go to This is the official site where you can obtain your government-sponsored free credit reports that include the credit files from all of the 3 major credit bureaus – Experian, Equifax, and TransUnion. Unfortunately, it doesn’t include your free credit score which is a big mistake. Reason being, your credit scores are what lenders or potential employers look for. Sure, your credit reports gives all of the details to the puzzle. But most lenders don’t have all day looking through your credit files. They’ll just cut to the chase to see what your scores are.