Free — Credit Reports

An application for credit, insurance, or employment was because of information in your report (must request within 60 days).

There are only three authorized ways to order these reports: Visit AnnualCreditReport.com . Phone: Call 1-877-322-8228 . credit reports free

Under federal law, the three nationwide credit bureaus—, Experian , and TransUnion —are required to provide you with a free copy of your credit report. While the law technically guarantees one free report every 12 months, the bureaus currently allow you to check your reports once a week for free through 2026. An application for credit, insurance, or employment was

Check your standing before applying for a mortgage or auto loan. 3. Avoiding "Imposter" Websites Under federal law, the three nationwide credit bureaus—,

Beyond the weekly reports from AnnualCreditReport.com, you are entitled to an additional free report if:

A credit report is a history of your activity; a credit score is a numerical summary of that history. While reports are free, you may sometimes have to pay a fee to see your specific FICO score unless your bank or credit card provider offers it for free.

Identify accounts you didn't open or charges you didn't authorize.