Get Your Free Credit Report(s) – No Strings Attached
As a result of the FTC’s final ruling under the Fair and Accurate Credit Transactions Act, you are entitled to a free credit report from the three major credit reporting agencies every year — no strings attached.
Equifax, TransUnion and Experian, are each required to provide consumers, upon request, a free copy of their credit report once every 12 months. The reports will not automatically be sent out. Each consumer must request their reports. Simply go to http://www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit reports online for free. You can also call 877-322-8228 to request your report(s).
You can order all three credit reports at one time, or at different times throughout the year. It’s your choice. But, be sure to order from the centralized agency. If you go directly to the credit reporting agencies, you may be charged.
To buy a copy of your report, contact:
- Equifax:1-800-685-1111; equifax.com
- Experian: 1-888-397-3742; experian.com
- TransUnion: 1-800-916-8800; transunion.com
UPDATE: Starting in 2020, everyone in the U.S. can get 6 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 TransUnion reports) you can get at AnnualCreditReport.com.