How Do I Get A Free Copy Of My Credit Reports?

You have the legal right to request one free copy of your credit report every 12 months from each of the three major credit bureaus: Equifax®, Experian®, and TransUnion®. The official way to do this is through AnnualCreditReport.com or by calling (877) 322-8228.

With CreditVana, you can also view your free TransUnion® and Equifax® credit scores anytime, giving you year-round access to your credit health without waiting for your annual report.

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Where to Request Your Free Reports

You can get your reports directly through the federally authorized system in three ways:

• Online: AnnualCreditReport.com

• Phone: Call (877) 322-8228

• Mail: Download and complete the Annual Credit Report Request Form, then mail it to:

  Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281


You can request all three reports at once, or spread them out (for example, order one every four months) to keep an eye on your credit throughout the year.

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Important Tip: Watch Out for Look-Alike Sites

Only AnnualCreditReport.com is authorized by law to provide the free reports. Be careful with other websites that advertise “free” reports — many require you to buy extra services or sign up for paid subscriptions you’ll later have to cancel.

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Additional Free Reports You May Qualify For

Beyond your yearly free reports, you may be entitled to extra free copies if:

• You were denied credit, insurance, employment, or experienced another “adverse action” based on your credit report (must request within 60 days of the notice).

• You believe your file contains errors or fraudulent activity.

• You placed a fraud alert on your credit file (two free copies are available for extended alerts).

• You are unemployed and plan to apply for a job within 60 days.

• You are receiving public assistance.

• Your state law grants additional free reports.

By law, if you request additional reports outside these situations, bureaus can charge up to $14.50 per report.

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Specialty Consumer Reporting Agencies

In addition to the three main bureaus, there are dozens of specialty reporting companies (covering areas like tenant history, medical records, and insurance claims). Most provide one free report every 12 months upon request. It’s worth checking them if you know a specific area applies to you.

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Stay Ahead with CreditVana

Getting your annual reports is important, but it only gives you snapshots of your credit once a year. CreditVana lets you monitor your TransUnion® and Equifax® scores for free, anytime.

This way, you’ll:

• Track changes in your credit month-to-month.

• Spot potential fraud or identity theft early.

• Catch and dispute errors quickly.

• Stay informed before applying for credit, loans, or housing.

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✅ Check Your Free TransUnion® and Equifax® Scores Now with CreditVana