Free Annual Credit Reports

If you are in default on a mortgage, it is always a good idea to check out your credit report – because everyone else will. Whether you are trying to refinance, file bankruptcy, obtain a forbearance agreement, or negotiate a sale-leaseback, others will need to see your overall credit picture. Annualcreditreport.com is a central site that allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.