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Get free weekly online credit reports from Equifax, Experian and TransUnion. Learn how to spot identity theft, protect your credit score, and understand what affects your credit reports.
- Getting Your Credit Reports
Call 1-877-322-8228. You will go through a verification...
- Review Your Credit Report
Review your credit report What should I look for when I...
- Contact Us
Free weekly online credit reports are available from...
- Your Rights to Your Credit Reports
All about credit reports Your rights to your free annual...
- Security
We know how important it is for your online transactions to...
- Getting Your Credit Reports
Credit reports list a history of your finances and may affect your ability to get credit, a job, or insurance. Learn how to request a free copy of your credit report, what information it includes, and who uses it.
- What information is on your credit reportCredit reports show your personal financial information, including: Bill payment history Loans Current debt Bankruptcy history Lawsuit recordsIn mo...
- Who uses credit reports and whyCredit bureaus can sell the information on your credit report to: Lenders Potential employers Insurance companies Rental property ownersThese busin...
- What to do if your request for a copy of your credit report is deniedIf a CRA denied your request for a credit report, contact them first to resolve the issue. If you cannot get your complaint resolved, contact the C...
Check your credit report and FICO® score for free and get tips to improve your credit. Experian also offers digital checking, credit cards, and other tools to reach your financial goals.
- The Latest Scams You Need to Be Aware of in 2023 - Experian
- Here’s What You Should Do After a Data Breach - Experian
- How to Temporarily Lift a Security Freeze - Experian
- How to Contact the Credit Bureaus - Experian
- Learn How to Put a freeze on Your Credit - Experian
- Freeze & Unfreeze Your Credit at all three major Bureaus - Experian
- What Is the Best Way to Get a Credit Freeze Removed? - Experian
- Reporting Death of a Relative - Experian
- 6 Things to Know Before Freezing Your Credit
- Table of Contents
- How to Get Your Free Annual Credit Reports
- What to Expect When You Order Your Credit Report
How do I order my free annual credit reports?
The three national credit bureaus have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three national credit bureaus individually. These are the only ways to order your free credit reports: 1. visit AnnualCreditReport.com 2. call 1-877-322-8228 3. complete the Annual Credit Report Request Formand mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281
How often can I get a free report?
Federal law gives you the right to get a free copy of your credit report every 12 months. Through the pandemic, everyone in the U.S. can get a free credit report each week from all three national credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com. Also, everyone in the U.S. can get six free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransU...
Are there other ways I can get a free report?
Under federal law, you’re entitled to a free credit report if 1. you get a notice saying that your application for credit, employment, insurance, or other benefit has been denied or another unfavorable action has been taken against you, based on information in your credit report. That’s known as an adverse action notice. You must ask for your report within 60 days of getting the notice. The notice will give you the name, address, and phone number of the credit bureau, and you can request your...
What information do I have to give?
To keep your account and information secure, the credit bureaus have a process to verify your identity. Be prepared to give your name, address, Social Security number, and date of birth. If you’ve moved in the last two years, you may have to give your previous address. They’ll ask you some questions that only you would know, like the amount of your monthly mortgage payment. You must answer these questions for each credit bureau, even if you’re asking for your credit reports from each credit b...
When will my report arrive?
Depending on how you ordered it, you can get it right away or within 15 days 1. online at AnnualCreditReport.com— you’ll get access immediately 2. by calling toll-free 1-877-322-8228 — it’ll be processed and mailed to you within 15 days 3. by mail using the Annual Credit Report Request Form— it’ll be processed and mailed to you within 15 days of receipt of your request It may take longer to get your report if the credit bureau needs more information to verify your identity.
Can I get my report in Braille, large print, or audio format?
Yes, your free annual credit report are available in Braille, large print or audio format. It takes about three weeks to get your credit reports in these formats. If you are deaf or hard of hearing, access the AnnualCreditReport.comTDD service: call 7-1-1 and refer the Relay Operator to 1-800-821-7232. If you are visually impaired, you can ask for your free annual credit reports in Braille, large print, or audio formats. How To Monitor Your Credit Report
Check your Experian credit report and FICO ® Score* to understand how you may look to lenders. Get your free credit report and FICO ® Score, see your latest credit info, get free credit monitoring and more.
Learn how to get free Equifax credit reports online or by phone. Find out what information is in a credit report and why it matters for your financial health.
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