Many people say "ignorance is bliss" and while that may be true for many different things, your finances and specifically what information is in your credit report should not be one of them.
After the spring of 2005 when a new law was set in effect, it is not your right to get a copy of your report for free.
So, the answer to the question "how to get a free credit report" shouldn't be hard to answer.
At least it should not.
The first thing you can do is request by writing for a copy of your score to the three major credit bureaus like Experian, Transunion and the like.
This is easier said than done.
You have to take the time to find the right address, fill out forms and send them.
After you have done this, you have to wait for a response.
In all, this whole process could potentially take up to a month.
If you are only checking as a way to keep on top of things this may be ok.
However, if you have lost your credit card or maybe your purse was stolen, then waiting that long to see if there are no fraudulent charges to your accounts could be very risky.
Fortunately, you can get a full copy of your report for free on the web.
There are many websites that offer you this service and many others.
One that has become very popular is credit guard or credit monitoring.
This alerts you any time someone does any activity on your name or using your information.
That way you can rest assured that anytime that someone besides yourself is trying to get a loan you will be notified immediately, significantly avoiding any potential problems.