Experian, TransUnion and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.
Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian®, Equifax® and TransUnion® - once every 12 months. Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history.
How can I request my free statutory annual credit file disclosure?
- You may contact the Central Source by visiting www.AnnualCreditReport.com
- You can request by phone and call 877 FACTACT
- You can complete the Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.
Your free annual credit report does not include your credit score. A credit score is an additional service that can be purchased when getting your credit report. Along with knowing your credit score you will learn what factors positively or negatively impact your credit risk.
What is the FACT Act?
The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
How often can I get a free credit file disclosure?
The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies every twelve months.
What is a credit report?
Your personal credit report contains details about your financial behavior and identification information. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history. Learn more.
Is everyone eligible to get their free statutory annual credit file disclosure?
Yes. As of Dec. 1, 2005 all consumers are eligible to request their statutory annual credit file disclosure once every twelve months.
FAQs
You can access your free Experian credit report at any time by signing up for a free Experian account. You can request annual credit reports for free from each of the 3 major reporting agencies—Experian, Equifax® and TransUnion®—online via www.annualcreditreport.com or by calling 1-877-322-8228.
How do I get a copy of my annual credit report? ›
How to get a copy of your credit report
- Online by visiting AnnualCreditReport.com.
- By calling 1-877-322-8228 (TTY: 1-800-821-7232)
- By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. In addition, the three bureaus have permanently extended a program that lets you check your credit report from each once a week for free at AnnualCreditReport.com.
Is AnnualCreditReport.com a legitimate site? ›
AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.
How long does it take to get credit report from AnnualCreditReport com? ›
Online: If you request your report at AnnualCreditReport.com , you should be able to access it immediately. Phone: If you order your report by calling (877) 322-8228, your report will be processed and mailed to you within 15 days.
How to request Experian credit report by mail? ›
How can I request my free statutory annual credit file disclosure?
- You may contact the Central Source by visiting www.AnnualCreditReport.com.
- You can request by phone and call 877 FACTACT.
- You can complete the Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2023, the average FICO® Score☉ in the U.S. reached 715.
How do I download a detailed credit report? ›
You can download your Credit report by following the below steps:
- Visit the official website of CIBIL.
- Click on the icon, GET YOURS NOW.
- Fill in your personal information like Name, DOB, contact number, ID number, etc.
- Now, create your account with your own username and password.
Credit scores from the three main bureaus (Experian, Equifax, and TransUnion) are considered accurate. The accuracy of the scores depends on the accuracy of the information provided to them by lenders and creditors. You can check your credit report to ensure the information is accurate.
Is an annual credit report still free? ›
You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year.
What are the full credit score ranges?
| FICO Credit Score Ranges | |
|---|
| Excellent/Exceptional | 800-850 |
| Very good | 740-799 |
| Good | 670-739 |
| Fair | 580-669 |
1 more rowApr 2, 2024
Step 1 – Check with your bank or credit union
Hundreds of banks and credit unions partner with FICO through its Open Access Program. If your bank or credit union partners with FICO, log in to your account online. You will likely be provided with a free FICO Score.
Does an AnnualCreditReport hurt your credit? ›
No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion).
Where is the safest place to get a free credit report? ›
Don't be fooled by look-alikes. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.
Why does Experian need my Social Security Number? ›
A Social Security number (SSN) is helpful when compiling your credit history because it is the only identifier uniquely assigned to each U.S. consumer. Experian will ask for it when you order your own credit report to help ensure that we provide you a complete and accurate report.
What is the safest way to get a copy of your credit report? ›
You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .
Is it safe to request annual credit report online? ›
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.
How do I get a digital copy of my credit report? ›
You can visit AnnualCreditReport.com to request your free credit report. You are entitled to one free credit report every 12 months from each of the three major credit reporting agencies—Equifax, Experian, and TransUnion.
What is the best site to get a free credit report online? ›
Don't be fooled by look-alikes. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.
