There are 2 ways to get a free copy of your credit report. If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report. The addresses are here .
Some states have laws requiring the bureaus to provide one free credit report per year.
To find out if your state requires this and more details about the cost of ordering your report, see our article on state credit report costs . There should be a separate key or explanation mailed with the report. Sit down and spend some time to try to read it. If it still looks like Sanskrit, you might ask a trusted friend to go over it with you. Or someone in your personnel office at work, or the dean of students office at your school, or behind the railing at your bank, might be willing to help you.