Free Credit Report
AnnualCreditReport.com is the only FTC-authorized source to get a free annual credit report under law. It’s simple to use, and requires no trial memberships or hidden fees like most third-party websites offering a free credit report. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual reports from the three bureaus, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. We only recommend the FTC-authorized source for your free yearly report.
You can visit each of the national credit bureaus for their various financial services, but keep in mind the free credit score report they offer usually requires enrollment in some sort of program, costing up to $15 or more per month. They
do not offer the “free annual credit report” that you are entitled to under federal law, only AnnualCreditReport.com does.
The three national credit bureaus
You are entitled to one free credit report every 12 months. However, you are also entitles to an additional free copy each year if:
- You've been denied credit because of information in your credit report.
- You're unemployed and looking for work.
- You receive public assistance.
- You believe your file contains errors due to fraud or identity theft.
- You've been denied employment (or another adverse employment decision has been made) based at least in part on information contained in a credit report.
Are there inaccuracies on you’re credit report or are you in the process of rebuilding your credit? Visit our guide for
rebuilding your credit