How Do I Get A Pdf Of My Credit Report

Answered: How Do I Get A PDF Of My Credit Report

Every US citizen is eligible to receive one free credit report from each of the three credit bureaus annually.

The process for receiving and downloading a PDF of your credit report has never been easier and it can happen in a matter of seconds thanks to online portals like and They allow you to print three free credit report PDFs after just a few steps.

You might be wondering if pulling your credit reports will negatively affect your credit score. Downloading a copy of your credit report will not affect your credit score, so don’t worry about that. It’s always a great idea to check your credit score on an annual basis, just to see where you’re at and especially if you are planning on acquiring a loan, applying for a new job or making a big purchase in the future.

How Do I Get A Pdf Of My Credit Report
Answered: How Do I Get A Pdf Of My Credit Report 4

How do I get a PDF of my credit report: step-by-step

1. Decide between and

The first step in answering the question: “how do I get a PDF of my credit report”, is choosing a web portal to retrieve your reports.

There are two main portals to choose from: and is able to provide you with credit reports from all three major credit bureaus (Equifax, Experian and TransUnion).

Credit Karma on the other hand, only provides credit reports from Equifax and TransUnion, but is more user-friendly than

For the purposes of this article and answering the question “how do I get a PDF of my credit report”, we are going to focus on However, both are good sites to use if you only need a credit report from Equifax and TransUnion.

2. Fill out the registration form

When you arrive to the homepage of, you will will see a tab that says “register yours now!”. Click on it and then click on “request your credit reports” under step 1.

Next, fill out this form with your name, address, phone number and social security number.

3. Select which credit bureaus you want to receive credit reports from

You will have the option between Equifax, Experian and TransUnion. Select your desired bureau (or all three) and then click “next”.

If you are just checking your credit reports because you’re curious, then it’s often a good idea to only pull one, so that you can check another one later on in the year and then the third one even later.

If you are planning on disputing something like a late payment or a mistake, then you will definitely want to get all three of your free credit report print outs.

You will also want to pull all three if you are planning on making a big purchase or want to acquire a mortgage. You’ll want to make sure that everything is accurate and that nothing will get in the way of you getting approved.

4. Confirm your information

Next, you will be asked to confirm your information. If everything looks good, hit “confirm” and you will be taken to the next step.

5. View and save your credit report as a PDF

Now, for the reason why you asked “how do I get a PDF of my credit report” in the first place! You will now be given the opportunity to save your credit report as a PDF. Hit “save as PDF” and then transfer your credit report to a safe place either on your computer or in a cloud drive like Google Drive or DropBox.

6. Select your next credit report

If you are pulling credit reports from more than one bureau, you will have the chance to save or print them.

Select your next credit report, click “save as PDF” and store it on your computer or secured drive.

How many credit reports are you allowed to retrieve per year?

Answered: How Do I Get A Pdf Of My Credit Report 5

The law states that each US citizen is allowed to pull one credit report from each of the three bureaus per year, however; there are some exceptions to this rule.

You may be eligible to retrieve a second round of credit reports if you are unemployed and plan on finding a job in the next 60 days, you are the victim of credit fraud, you have been denied a loan due to bad credit or you are on welfare.

Takeaways: How Do I Get A PDF Of My Credit Report?

After you have chosen your portal, the rest is very intuitive! Make sure you save your credit report PDF in a safe place and even consider printing a hard copy to save for your records.

Now that you know the answer to “how do I get a PDF of my credit report”, it’s time to read through each report and understand what it means for your financial future!

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