Where can I get an annual free credit report?

You can get your official free annual credit reports from:

annualcreditreport.com — the only website authorized by federal law to provide free annual credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion.

You can also request them by:

• Phone: 1-877-322-8228
• Mail: Send the completed Annual Credit Report Request Form to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281

A few tips:

• Avoid lookalike websites that advertise “free credit reports” but require a subscription or payment details.
• You can request reports from all three bureaus, and current rules allow consumers to access their reports online more frequently than once a year through AnnualCreditReport.com.
• Checking your own credit report does not hurt your credit score.

You can get your official free credit reports from the three major nationwide credit reporting agencies (Equifax, Experian, and TransUnion) through the federally authorized channels.

• Online : Visit AnnualCreditReport.com , the only official website authorized by federal law. (Note: Free reports are currently available weekly online!)
• By Phone : Call toll-free at 1-877-322-8228 (TTY: 1-800-821-7232).
• By Mail : Download and complete the Annual Credit Report Request Form from the Federal Trade Commission (FTC) Free Credit Reports Guide , then mail it to:
  Annual Credit Report Request Service
  P.O. Box 105281
  Atlanta, GA 30348-5281

Would you like help learning how to read your credit report or how to dispute an error if you find one?

In the U.S., the official place to get your free credit reports is AnnualCreditReport.com. It’s authorized by federal law and provides reports from all three major credit bureaus:

• Equifax
• Experian
• TransUnion

Good news: the bureaus currently allow you to access your reports weekly for free, not just once a year.

You can also request them by phone at 1-877-322-8228. Be cautious of other websites advertising “free credit reports,” as they may enroll you in paid services.

You can get your official free credit reports from the three major nationwide credit bureaus (Equifax, Experian, and TransUnion) through the federally authorized centralized source Annual Credit Report.

While federal law guarantees you a free report every 12 months, the credit bureaus have permanently extended free weekly online access.

You can request your reports using three official methods:

• Online : Visit the official Annual Credit Report Website to view, download, or print your reports immediately after verifying your identity.
• Phone : Call toll-free at 1-877-322-8228 (TTY: 1-800-821-7232).
• Mail : Print and complete the Annual Credit Report Request Form and mail it to:
  • Annual Credit Report Request Service
  • P.O. Box 105281
  • Atlanta, GA 30348-5281

Would you like help on how to read your credit report or how to dispute an error if you find one?

If you’re in the U.S., the official place to get your free credit reports is:

It’s the federally authorized site, and you can get reports from Equifax, Experian, and TransUnion. The FTC says the three bureaus currently allow you to check each report free once a week online, in addition to the legal annual entitlement.

You can also request them by phone at 1-877-322-8228.

Tip: Be cautious of sites advertising a “free credit report” that require a credit card or enroll you in monitoring. AnnualCreditReport.com is the official source.

If you want, I can also explain how to get your credit score for free (which is different from your credit report).

You can get your official free credit report from the three nationwide credit bureaus (Equifax, Experian, and TransUnion) through the federally authorized source AnnualCreditReport.com.

While federal law guarantees you a free copy once every 12 months, the credit bureaus have permanently extended a program allowing you to check your credit report from each bureau once a week for free online.

Ways to Request Your Report:

• Online: Visit AnnualCreditReport.com to view, download, or print your reports immediately.
• Phone: Call 1-877-322-8228 (TTY: 1-800-821-7232).
• Mail: Print and complete the request form from the USAGov Credit Reports Guide and mail it to:> Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

Be prepared to provide your name, address, date of birth, and Social Security number, and answer a few security verification questions specific to your credit history.

If you'd like, I can help you understand what to look for on your credit report or how to dispute an error if you find one.

If you're in the U.S., the official place to get your free annual credit reports is:

You can get reports from all three major credit bureaus:

• Equifax
• Experian
• TransUnion

The FTC confirms that AnnualCreditReport.com is the only website authorized by federal law to provide these free reports.

Good news: the three bureaus currently also allow you to access your reports free online once a week, so you don't have to wait a full year between checks.

You can also request them by phone at 1-877-322-8228.

Tip: A credit report is different from a credit score. The free report doesn't necessarily include your FICO score.

You can get your official free credit reports from the three major nationwide credit bureaus (Equifax, Experian , and TransUnion ) through the federally authorized source AnnualCreditReport.com.

While federal law mandates free reports every 12 months, online access through the official site is actually available weekly for free.

Ways to Request Your Report:

• Online: Visit AnnualCreditReport.com for immediate viewing.
• Phone: Call toll-free at 1-877-322-8228 (TTY: 1-800-821-7232).
• Mail: Print and fill out the request form from USAGov Credit Reports and mail it to:> Annual Credit Report Request Service

P.O. Box 105281
Atlanta, GA 30348-5281

Note: Checking your own credit reports does not affect your credit scores. Be cautious of imitation sites that try to charge you fees or sell unwanted subscriptions.

If you'd like, I can help you with:

• What to look for when reviewing your credit report for errors
• How to dispute an error you find on your report
• Steps to freeze your credit for extra security

Let me know how you'd like to proceed.

You can get your official free annual credit report from the three nationwide credit bureaus—Equifax, Experian, and TransUnion.

The only officially authorized website mandated by federal law to provide these free reports is Annual Credit Report.

You can request your reports through three official channels:

• Online: Visit the Annual Credit Report Website to view, download, or print your reports immediately.
• By Phone: Call toll-free at 1-877-322-8228 (TTY: 1-800-821-7232).
• By Mail: Print and complete the Annual Credit Report Request Form and mail it to:
  • Annual Credit Report Request Service
  • P.O. Box 105281
  • Atlanta, GA 30348-5281

If you'd like, I can guide you on how to read your credit report or share steps on how to dispute errors if you find a mistake.

The official place to get your free annual credit reports is:

It is the only federally authorized website for free credit reports from the three major credit bureaus:

• Equifax
• Experian
• TransUnion

You can request all three at once or stagger them throughout the year. Checking your own report does not hurt your credit score.

Important: Be cautious of other websites advertising “free” credit reports—they may require a subscription or other purchase.

You can also request your reports by phone at 877-322-8228.

As of 2026, Equifax also provides up to six free reports per 12 months through December 31, 2026, in addition to the standard annual reports.