If you are residing in US, you must have a credit report to know about your credit worthiness. You can get free annual from the financing institutions of US. These are absolutely free of cost. You are not required to pay even a single penny. There are three credit agencies offering you these are -TransUnion, Equifax and Experian. These are the best proof for the individual's identification. These are provides you complete protection. So, go and get these are without any second thought.

You can get free annual through internet. You just need to fill an e-form that provides your mandatory information like name, date of birth, sex, residential proof, and so on. The lending company will immediate provide you the of the whole year. Do not worry about the disclosure of your information. These details are kept confidential by the financing company. Do make sure that you are not accessing public computer because your information might get saved in that computer, which can misused by other person.

To fetch these are, you must fulfill certain conditions:
• You must be a permanent citizen of US
• You must be an adult of at least 18 years or above
• You must show your income proof, residential proof to the financing company.

When you go for any financial help, the lender asks you to show. So, a credit report is a must to get a loan of your choice. The lender will only provide you cash, if your are good. So, you must have good credit ratings in your are. For this, you have to pay back the previous debts in prescribed time. The savings must be more than your expenditures.
You can get free credit reports to know your credit worthiness. While availing a loan, you can show your are to the lender. You can get these reports through internet. There are certain conditions that must be fulfilled by you, to get these are in a hassle-free manner.