Your credit reports are some of the most important financial documents you’ll ever review. They show your borrowing history, payment patterns, and account details — all of which lenders use to decide whether to approve you for credit cards, loans, mortgages, or even rental housing.

The good news is: you have the right to request free copies of your credit reports. And with CreditVana, you can also monitor your Equifax® and TransUnion® credit scores for free, anytime, giving you year-round insight into your credit health.

---

Your Legal Right to Free Reports

Federal law gives you access to one free report every 12 months from each of the three major credit bureaus:

• Equifax®

• Experian®

• TransUnion®

You can request these reports through the official portal, AnnualCreditReport.com, or by calling (877) 322-8228.

📌 Tip: Only AnnualCreditReport.com is authorized by law to provide free reports. Be cautious of other websites that promise free reports but require you to buy additional products or sign up for paid subscriptions.

---

How to Request Your Free Reports

You can get your reports in three simple ways:

• Online: Visit AnnualCreditReport.com.

• By Phone: Call (877) 322-8228.

• By Mail: Download and complete the Annual Credit Report Request Form. 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, request one every four months) so you can monitor your credit throughout the year.

---

When You’re Eligible for Additional Free Reports

In addition to your annual reports, you may qualify for extra free copies in certain situations:

• You were denied credit, insurance, or employment based on your credit report.

• You believe your file contains errors or was impacted by fraud.

• You’ve placed an initial or extended fraud alert on your credit file.

• You’re unemployed and plan to apply for work within 60 days.

• You receive public assistance.

• Your state law provides additional free reports.

If none of these apply, bureaus may charge a fee (no more than $14.50 per report) for additional requests.

---

Specialty Consumer Reports

Beyond the three major bureaus, there are specialty consumer reporting agencies that track information like tenant history, medical billing, and insurance claims. Most provide one free report every 12 months if you request it directly.

---

Stay Ahead With CreditVana

Getting your annual free reports is essential, but it only gives you a snapshot once a year. With CreditVana, you don’t have to wait:

• View your free Equifax® and TransUnion® credit scores anytime.

• Monitor changes month to month.

• Catch errors and fraud quickly.

• Stay prepared before applying for loans, credit cards, or housing.

---

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