How to get your free credit report
You can get a free credit report from Equifax, Experian, and TransUnion every week at AnnualCreditReport.com. You can request one report or all three. Checking your own reports does not affect your credit score.
Request your free credit reportsRequest your reports online, by phone, or by mail
- Go to AnnualCreditReport.com and start a request.
- Enter the information the site asks for, select your bureaus, and follow each bureau’s identity verification steps.
- Save or print each report you receive so you can compare accounts across bureaus.
If you can’t complete verification online, call 877-322-8228 or complete the mail request form and send it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The CFPB explains each request option.
Review your reports bureau by bureau
- Accounts. Look for accounts you don’t recognize or that appear twice.
- Payment history. Compare late payments and account status with your statements.
- Balances and limits. Check the reporting date when comparing balances.
- Credit inquiries. Look for applications you don’t recognize.
Check off each item as you review the reports.
Start with the bureau that shows the error. Write down the account, the incorrect field, and the correction you’re requesting. Follow our guide to disputing credit report errors for the next steps.
If you suspect identity theft, use the FTC’s identity theft recovery service for a recovery plan.
Where to find your credit score
A credit report lists your credit accounts and payment history. A credit score is a number calculated from information in a report. The free reports from AnnualCreditReport.com generally do not include a score. You can check your free credit score with CreditVana in the app.
Sources include the Consumer Financial Protection Bureau and USAGov’s guide to credit reports.