Iâ€™m a Commercial Real Estate Agent in New York City. Just want to note that the government sponsors only one official website to get a free credit report -- https://www.annualcreditreport.com/cra/index.jsp. You can go to the federal trade commission website and verify this information: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm. Freecreditreport.com is a purely commercial site (and there are many others) and charges a nominal amount ($1-$2) for the report but then tries to upsell you after youâ€™ve put all your vital information (including your credit card info) into their database. I think itâ€™s important to know whoâ€™s getting this information and how itâ€™s being transmitted â€“ so I would also make sure not to use a wireless connection.
Hope this helps â€“ please let me know if I can be of further assistance.
Commercial Real Estate Agent
I think the best way to get a credit report is by going to the three credit reporting bureaus as you have the right to check you credit at no charge to you once every calendar year. The fourth link is another option. I'm not truly sure if they give a FICO number. That may have a small charge. Check the sites out and good luck.
The sources cited below are the places to go for your credit scores. Here are two things to be aware of. they will ask you to subscribe and you will need to make sure to follow the exact instructions of when and how to cancel to not get charged. Secondly, frequent inquiries into your credit will take the score down a few points, so do not check frequently.