Credit Score in New York>Question Details

Ashley, Renter in Brooklyn, NY

Any suggestions for where to get a free and secure credit report?

Asked by Ashley, Brooklyn, NY Wed Jun 20, 2012

I'm looking for a website where I can get my credit score(s) for free, and most importantly - SAFELY. It's for an idea so that I can start putting the next step forward towards renting in NYC.

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Christine Gordon’s answer
Go to and you'll be able to get a free copy of your credit report and score. They'll ask you for a credit card as you're filling in the information on the site because you're registering for a credit monitoring service. Your credit card will not be charged at the time of registration. Once you print your report and score analysis then you can go back into the site and cancel the service. If you don't cancel the service within 10 days then they'll begin charging your credit card $14.95 per month. Hope this information is helpful! All the best in your apartment search, Christine :-)
4 votes Thank Flag Link Wed Jun 20, 2012
See link below...If you are concerned about online safety you can order/receive the reports by mail.
1 vote Thank Flag Link Wed Jun 20, 2012
Go to annualcreditreport. com website - it is a legit site. It is the government site for free credit report
0 votes Thank Flag Link Fri Mar 22, 2013
Hi Ashley,

I’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 -- You can go to the federal trade commission website and verify this information: 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 you’ve put all your vital information (including your credit card info) into their database. I think it’s important to know who’s getting this information and how it’s being transmitted – so I would also make sure not to use a wireless connection.

Hope this helps – please let me know if I can be of further assistance.

Grace Walker
Commercial Real Estate Agent
0 votes Thank Flag Link Sat Oct 27, 2012
I agree with Joseph! Please note the only credit score you should get is the FICO score. Go to
0 votes Thank Flag Link Fri Jun 22, 2012
Hello Ashley. I'm going to start by disagreeing with Jenet on one aspect of credit. When you pull your report, you won't diminish your score no matter how many times you do it. If your credit gets pulled repeatedly by other parties (Banks, Coops board, Mortgage pro), then the possibility of a diminished score is likely.

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.
0 votes Thank Flag Link Thu Jun 21, 2012
Hi, Ashley.

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.
0 votes Thank Flag Link Wed Jun 20, 2012
all three credit reporting bureaus offer free credit reports once/year.
0 votes Thank Flag Link Wed Jun 20, 2012
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