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Get and Check Your Free Credit Report

credit report

Your credit report serves as your credit resume. What does yours 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. These days there's no reason to pay for your credit score.

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.

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