GoFreeCredit.com is another vendor that offers you a free credit report when you sign up for their credit monitoring service. This credit monitoring service is $14.95 a month – but as long as you cancel within 7 days and don’t accidentally sign up for any additional services, you can get a legitimately free credit report instantly. If you’ve already used up your three free credit history reports from AnnualCreditReport.com, this method is an excellent way to get just one more freebie.

1. Sign up at GoFreeCredit.com

Click here to get your free credit monitoring trial from GoFreeCredit.com. Be sure to click this link to get the free offer. You’ll be asked to enter some basic contact information – do so and click “Get My Credit Report Now!” NOTE: Be sure to opt-out of the e-mail offers by leaving the checkbox unchecked.

2. Continue to your free credit report

The next page will ask you if you want to speak with a credit improvement specialist. This is not necessary to receive your free credit report. Feel free to leave all the fields blank and click the button circled in green.

3. Enter additional information

On the next screen, you will be asked to enter your complete contact information. Do so and click “Submit and Continue.” NOTE: To receive e-mails from GoFreeCredit.com, you will have to add them to your exceptions list – otherwise, the messages will be put in your spam folder.

4. Enter identifying information and credit card

Here you will enter your identifying information (which is necessary to pull your report) and your credit card information. NOTE: You will not be charged when you enter your credit card information. GoFreeCredit.com will, however, run an authorization through for $1.00 to verify the information. However, do take note of the paragraph on the right informing you that if you do not cancel your membership you will automatically be enrolled in the credit monitoring service for $14.95 a month. After you have read this page carefully, check “Agree” and click “View Report.”

5. Confirm your order

You will be taken to your order confirmation page. Write down this information for future reference and click “View Credit Report & Score.” Also, be sure to answer the security question in case you forget your username and password – you will need this information to cancel your free trial.

6. Click “View it Now”

Click “View it Now” to be taken to your credit report. You can also opt to receive information on additional services, but this is not necessary.

7. Answer the security questions

You will next be asked some questions about your credit history. This is standard operating procedure. Oftentimes, the correct answer is “NONE OF THE ABOVE” so don’t worry if none of the answers appear familiar. Click “Process Order” once you are done.

8. View and print your credit report

Congratulations! You are now viewing your free credit report from GoFreeCredit.com. For future reference, print out or PDF your report by clicking “Printer Friendly Version.”

9. Call customer service

In order to cancel your report, you have to call their customer service line directly. Click “Contact Us” at the top right corner of the screen and choose “Cancel an Order” on the dropdown menu. On the next dropdown menu, choose “Free Trial Orders” and then on the last menu, choose “How do I cancel my Credit Monitoring/Score Tracker trial membership.” You will be given the customer service number: (866) – 883 – 3309.

Call the number provided on the contact page within business hours. For best results, call during off-peak hours. For example, I called at 8:01AM EST and had my free trial canceled in five minutes. The automated system will bring you to a phone tree.

Press 1 to cancel your free trial. The representative will ask for your Social Security number or your order number (written down from step 5). He or she will then confirm your full name and date of birth and e-mail address.

Before they let you go, the representative will go over the benefits of the services you are signed up for. Wait patiently for them to go through their pitch (it’s their job) and politely decline. The rep will next offer you some other perk – in my case it was a free month of membership beyond the trial period.  Again, decline. After that, the rep will cancel your account and give you a confirmation number. They will also e-mail you a cancellation confirmation. Before you get off the phone, doublecheck that all of your services have been cancelled and that you will not be billed for anything else.

10. Open your confirmation e-mail

In the next twenty minutes or so, you should receive a cancellation confirmation e-mail. IMPORTANT: Be sure to check your spam folder if it does not appear. Further action is needed to cancel your account.

Click the link provided to finish canceling your account. You can either login using your username and password (provided in step 5) or with your SSN and DOB.

11. Recover your username and password

Click the second link if you have forgotten your username and password. Enter your identifying information and click “Continue.”

12. Enter your security question

To login, you will have to answer the security question in step 5. Click “Continue.”

13. Click “DE-ACTIVATE MONITORING SUBSCRIPTION”

Read over the warning and click the button below. This is just one of several efforts to get you to change your mind.

14. Answer the reason for canceling

How you answer here affects the offer they will provide for you in order to convince you to stay enrolled. Select your answer and click “TELL ME HOW YOU CAN HELP.”

15. Decline the special offer

You will be given a special pricing to continue your membership. Check “No, thanks. I waive my right to this special price” and click “SUBMIT AND CONTINUE.”

16. Confirm your cancellation

Finally, you will be given confirmation of your cancellation. Read this page over carefully – it informs you that you will still receive e-mail alerts during your free trial and will receive services until the end of your billing period if you have already been billed.

That’s it – you just got a credit report from GoFreeCredit.com and didn’t have to pay a cent.  Avoid logging back into your account once your membership is canceled, as this may reactivate your account. Instead, simply reference the report that you saved or printed in Step 8.

Photo by ohadweb.

Related posts:

1. Getting Your (Actually) Free Credit Report from SmartCredit.com
2. A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Three Equifax
3. A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part One – TransUnion
4. A Step-By-Step Guide to Getting Your (Actually) Free Credit Report without Accidentally Signing Up For Extras: Part Two – Experian
5. TrueCredit – Free TransUnion Credit Monitoring