Created by the three major credit reporting agencies as the central source for the credit reports you are entitled to under federal law.
Fill out your information once to request your credit reports from one, two or all three of the major credit reporting agencies.
Checking your credit reports from this website will not affect your credit scores.
AnnualCreditReport.com does not keep your personal data and will never use it for marketing or sales — your protection guaranteed by federal law.
Every major financial milestone — from buying a car to securing a mortgage — depends heavily on the information that creditors and lenders report to the credit reporting agencies, making it essential to check your reports regularly and maintain consistent payments across all accounts. Experian, TransUnion, and Equifax all provide tools to access your credit information, protect against fraud and identity theft, and address any inaccuracies that may appear on your report.
Reviewing your credit early may help you prepare to apply for better rates on a home, car, or loan.
Your reports contain your payment history and progress in managing your credit health.
Life changes such as marriage, divorce, or family transitions can impact your credit in different ways.
Checking your credit reports regularly can help you catch unfamiliar accounts or suspicious activity early.
You may request your free weekly credit report online, via phone or by mail. You do not need to order your credit report from each credit reporting company at the same time and may decide to request the three credit reports at different times throughout the year.
You can request your free credit report online at AnnualCreditReport.com, the only website authorized by federal law. When you start your request, you choose which reports you want from Equifax, Experian, and TransUnion.
You verify your identity by answering security questions, and once confirmed, your reports are usually available to view, download, or print immediately.
You can also request your report through the phone by calling 1-877-322-8228. You will go through a verification process over the phone. Once complete, your report is typically mailed to you within 15 days.
You can download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer ).
You would then print and complete the form and send it to:
Annual Credit Report Request ServiceYour report is typically mailed to you within 15 days.
You can check your credit report for free once every week from each of the three major credit reporting agencies with no credit card, subscription, or hidden fees
No, checking your own credit report through this site never impacts your credit score.
Checking your own credit report is a soft inquiry, which is only visible to you and does not influence the calculations used by lenders or creditors.
Federal law allows you to dispute inaccurate information on your credit report. There is no fee for filing a dispute. You may dispute inaccurate information by going directly to the business that provided the information to the credit reporting agency and/or to the credit reporting agency who included the information on your credit report.
You must provide your full legal name, Social Security number, date of birth, and current address. If you have lived at your current address for less than 2 years, you will need to provide your previous address as well.
The credit reporting agencies will request you to undergo security validations at each of their websites to ensure your credit report is being delivered to the correct person.
Yes, AnnualCreditReport.com is the trusted website for accessing the free credit reports provided under federal law.
We know how important it is for your online transactions to be secure. We safeguard the privacy of the information you give us when you fill out our forms online. We encrypt the information to protect it while you are filling out the form, and also when we send the information to any of the credit reporting agencies. We use physical, electronic, and procedural safeguards to protect your personal information.
No. AnnualCreditReport.com does not store, sell, or share your personal information for marketing or advertising purposes.
Your personal information is only shared with the applicable credit reporting agency to fulfill your specific request as required by law.
'%3e%3cpath%20d='M96.5233%2023.6528V103.529C96.5233%20106.968%2093.735%20109.756%2090.2958%20109.756H21.7958C18.3565%20109.756%2015.5682%20106.968%2015.5682%20103.529V10.8979C15.5682%207.4587%2018.3565%204.67041%2021.7958%204.67041H79.3251L96.5233%2023.6528Z'%20fill='white'/%3e%3c/g%3e%3cpath%20opacity='0.6'%20d='M79.3983%2018.8905V4.67041L96.3247%2023.3524H83.8602C81.396%2023.3524%2079.3983%2021.3547%2079.3983%2018.8905Z'%20fill='%23C5CDD3'/%3e%3crect%20x='26.2617'%20y='27.4595'%20width='38'%20height='7'%20rx='3.5'%20fill='%23E5E9EB'/%3e%3crect%20x='26.2617'%20y='42.4595'%20width='61'%20height='7'%20rx='3.5'%20fill='%23E5E9EB'/%3e%3crect%20x='26.2617'%20y='60.4595'%20width='61'%20height='37'%20rx='8'%20fill='%23E5E9EB'/%3e%3cdefs%3e%3cfilter%20id='filter0_d_2088_2494'%20x='9.34092'%20y='-7.85589e-05'%20width='93.4097'%20height='117.541'%20filterUnits='userSpaceOnUse'%20color-interpolation-filters='sRGB'%3e%3cfeFlood%20flood-opacity='0'%20result='BackgroundImageFix'/%3e%3cfeColorMatrix%20in='SourceAlpha'%20type='matrix'%20values='0%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%200%20127%200'%20result='hardAlpha'/%3e%3cfeOffset%20dy='1.55683'/%3e%3cfeGaussianBlur%20stdDeviation='3.11366'/%3e%3cfeComposite%20in2='hardAlpha'%20operator='out'/%3e%3cfeColorMatrix%20type='matrix'%20values='0%200%200%200%200.66%200%200%200%200%200.872869%200%200%200%200%201%200%200%200%200.5%200'/%3e%3cfeBlend%20mode='normal'%20in2='BackgroundImageFix'%20result='effect1_dropShadow_2088_2494'/%3e%3cfeBlend%20mode='normal'%20in='SourceGraphic'%20in2='effect1_dropShadow_2088_2494'%20result='shape'/%3e%3c/filter%3e%3c/defs%3e%3c/svg%3e)
Get your reports at no cost, from the trusted website for accessing the free credit reports provided under federal law.
