How to Get Your Free Credit Reports from the Major Credit Bureaus

Published: February 27, 2024

How to Get Your Free Credit Reports

Use AnnualCreditReport.com to request your credit reports — you have free weekly access.

STEPS:

Federal law gives you free access to your credit reports from the three major credit bureaus: Equifax, Experian and TransUnion. Using the government-mandated AnnualCreditReport.com website is the quickest way to get them, but you can also request them by phone or mail. Those reports — which previously had been limited to once a year — are now permanently available weekly to help consumers manage their finances.

Your credit reports are a detailed record of your past use of credit — but they do not include your credit score. See your credit score anytime for free, using our Experian FICO® Credit Score tool within myUSSFCU online and mobile banking. Checking your score does not damage your credit.

Here’s how to use AnnualCreditReport.com.

1. Go to the correct site

First, make sure you’re on the right site: AnnualCreditReport.com. Some other sites have similar-sounding names.

The one you want looks like this:

2. Enter your personal information

You'll need your name, Social Security number, address and birthdate. This, along with other personal data, will be matched against files for identification.

3. Request a credit report or reports

You can order your reports from one, two or all three of the major credit bureaus: Equifax, Experian and TransUnion.

4. Successfully answer security questions

For each report request, you’ll be asked a few questions about your finances that presumably only you can answer — for instance, the approximate amount of your mortgage payment or who holds your auto loan and when you took it out.

Some consumers have reported difficulty using the site, particularly answering security questions about accounts that are several years old. If you can’t recall those details, you can request your reports by mail or phone; this process doesn’t require security questions.

5. Generate your credit report online

You can save reports to your desktop or print them out so you’ll have access later.

If you need to request a report or reports by mail, send a request form to:

Annual Credit Report Request Service | P.O. Box 105281, Atlanta, GA 30348-5281.

Your report or reports should be sent within 15 business days.

You can also get your credit reports by calling 877-322-8228. Visually impaired consumers can also call this number to request audio, large-print, or Braille reports. You can also request your credit report in Spanish directly from each of the three major credit bureaus.

6. Read your reports and fix errors

Read your credit reports, looking for:

Accounts that aren’t yours or you didn’t authorize.
Incorrect, negative information.
Negative information that’s too old to be included. Most negative information, other than one type of bankruptcy, should be excluded after seven years.

If you find errors, dispute them. Typically, the fastest way to file a dispute is online, but you can also call the credit bureaus or send a credit dispute letter by mail. The credit bureaus will investigate and must remove information that they can’t verify.

7. Monitor your credit regularly

Monitoring your scores and reports can tip you off to problems such as an overlooked payment or identity theft. It also lets you track progress on building your credit.

Here’s how the information you’ll get from AnnualCreditReport.com differs from what free personal finance sites may provide:

AnnualCreditReport.com provides:

Reports (not scores)
Data from all three major credit bureaus
An extensive history of your credit use

Personal finance websites and tools like USSFCU’s free Fico Score Simulator, provide:

Credit scores, sometimes credit report information
Unlimited access
Data from one or two credit bureaus
A recent history of your credit use
Additional information about building and protecting your credit

Frequently asked questions

Is AnnualCreditReport.com safe?

AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site.

Double-check the URL when you type it, to be sure you have not made a typo. Some other sites have similar-sounding names, so check that the URL matches and the site looks as expected.

Be aware that your credit reports are free, but credit bureaus also use the AnnualCreditReport.com site to sell credit scores and promote paid services, such as credit monitoring. However, monitoring doesn’t keep your identity from being stolen; it just alerts you after the fact. For best protection, use a credit freeze.

What do I get when I request reports?

Your creditors regularly report your account information, including payments, credit applications, the percentage of available credit you’re using and negative marks such as collections. The three bureaus build that data into the credit reports that you get from AnnualCreditReport.com.

A credit report is not the same thing as a credit score. Your credit score is derived from some of the information in your credit reports.

If you used the online portal to access your reports, we suggest saving them as PDFs or printing them out. Once you have them, read over them for mistakes.

When should I get my reports from AnnualCreditReport.com?

Get all three credit reports from AnnualCreditReport.com if you’ve never done so or it’s been at least a year since the last time.

It's also wise to check them if you've received payment modifications or other relief, such as that offered during the pandemic, and need to see whether creditors are reporting those accounts correctly.

And if you’re about to apply for a large loan, such as a mortgage, you should get and check your credit reports. That gives you a chance to fix score-lowering problems before applying, giving you a better shot at approval.

This information is provided for informational purposes only and should not be construed as legal, financial, or tax advice. Origial source: nerdwallet.com.

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