Free Credit Report

Learn how to get a FREE copy of your credit report from the only official site for consumers!

Many people don't know what is on their credit report until they apply for credit, and are denied. The 3 major credit bureaus now offer each person the opportunity to receive one free copy of their credit report each year.

Even if you think you have perfect credit, or don't use credit often, it is a good idea to review your credit report each year to make sure it is accurate.

If there are any errors, you will be given instructions for disputing and removing the errors. You can also learn more tips on how to repair your own credit, improve your credit score, and get your credit back to normal.

What About All The Ads For A Free Credit Report?

AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose. Most of the "free" credit reports advertised require you to sign up for credit monitoring or other paid service.

Please note that, as a security precaution, consumers should never provide their personal information to any other company or person in connection with requesting free annual credit reports under the FACT Act. AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.”

How To Get Your Free Credit Report!

AnnualCreditReport.com is a centralized service for consumers to request annual credit reports. It was created by the three nationwide consumer credit reporting companies, Equifax, Experian and TransUnion.

AnnualCreditReport.com processes requests for free credit file disclosures (commonly called credit reports). Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.

The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports. AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. We also provide options to request reports by telephone and by mail.

Get a free copy of your credit report

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