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You don't have to sign up for a trial membership of a prestige protection aid to get free copies of your prestige reports. There a few one-stop websites where you can order prestige reports from all three prestige bureaus: Experian, Equifax, and Trans Union. It's easy. One site, each year prestige Report, is even recommended by consumer advocate Clark Howard as well as the consumer prestige Counseling Service.

Three Credit Reporting Agencies

By the way, your "credit report" is not the same thing as your "credit score." The reports will give your prestige action only - not your Fico score. The Fico score is a number that is generated using info from all three agencies. It is a goods of Fair Isaac prestige Org. (Fico) and must be purchased - .95

When you get to the site and start clicking colse to to ask your free report, a few things might concern you. The main thing...and it is kind of inevitable is the ask for you to enter your collective protection number. If you have strong reservations about entering your Ss number online, you can just skip the rest of the description and look up the 800 number and do the transaction on the phone. But either way, you will to have to furnish your collective protection number.

Back to the online request. At some point while your online ask for a free prestige description , each bureau will try to sell you their products. Stay focused.

Here is the protocol for Experian for example: (and they are all pretty much alike so I will spare you the details on the other 2)

Step 1 on the Experian site will offer to sell you your Experian prestige score for .95. Each bureau assigns a score, but their scores do not relate your Fico score.The Fico score is the one that most creditors use. I don't advise buying a prestige score from whatever other than Fico. It's the only one that counts. When asked if you want to purchase your "Experian" score, scroll to the lowest of the page and click on "No thanks, I just want my free each year prestige report."

You will cruise through the steps pretty quickly. The only time you might have a problem is if you don't acknowledge the identification verification questions correctly. If you acknowledge incorrectly you will be given a toll-free number to call where your i.d. Can be verified manually.

Once you are done on the Experian site, you will be prompted to return to the each year prestige description site and continue with the other prestige bureaus.

All the sites will walk you through the same process gift to sell you their products along the way. Remember, your goal is to get free prestige reports, not buy stuff. Ensue the prompts and you will abruptly get your three prestige reports free of charge.

Free credit record service Recommended by Clark Howard