Get and Check Your Free Credit Report

credit report

Your credit report serves as your credit resume. What does your say? Don’t wait until you apply for a loan to check your report. It’s easy and free to get a copy. As long as you have a credit history, you have three credit reports, one at each of the three U.S. credit reporting bureaus: Experian, TransUnion and Equifax.

A Look Inside

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. The information is kept on file, and as it changes, your credit report changes as well.

The three nationwide bureaus sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for loans, credit cards, insurance, employment, or renting a home.

Get Free Copies Annually

The Fair Credit Reporting Act (FCRA) requires each of the three credit bureaus to provide you with a free copy of your credit report, at your request, once every 12 months.

To order, visit, or call 1-877-322-8228.

Do not contact the bureaus directly to request your report—free annual credit reports are only provided through this centralized arrangement.

Keeping Score

The bureaus keep your credit score separate from your credit report. It’s not included in the free annual credit report offer. In most cases, if you want to learn your credit score, you must pay a fee for one-time access to it.

When you’re checking your free credit report, you may be asked if you also want to see your credit score. Before you agree, be sure you understand the terms of the offer.

Any reference to a specific company, commercial product, process or service does not constitute or imply an endorsement or recommendation by National Endowment for Financial Education.