Don't be fooled by compelling & catchy ads. Getting a free credit report is easy.

You don't have to sign up for expensive credit monitoring services, either!

Go to 

There you can request a free credit report every year from each of the three main credit bureaus

Call me and I'll review your report free of charge


Annual Credit Report dot com isn't going to give you your Credit Scores.

However, I also REALLY DON'T RECOMMEND that you pay extra to get your credit scores through many of the online websites out there... even directly through the Credit Bureaus. Save your money!

The simple fact is that credit scores obtained through many of the online websites really don't match up to the scores we get in our credit reports as a mortgage lender. Make sure to read the fine print and you'll find that most consumer credit report scores are just a simulation of what the scores will be when a mortgage lender pulls your credit. There can be major differences.