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Levi Hill
Levi Hill

Annual Credit

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. To get your Experian annual credit report online, and by phone or mail, visit

annual credit


You may already know that there are multiple ways you can get a free credit report. You can get free Equifax credit reports at You can also receive free Equifax credit reports with a myEquifax account. Just look for "Equifax Credit Report" on your myEquifax dashboard.

In connection with various settlements, Equifax is making at least six additional free Equifax credit reports each year available online to U.S. consumers on until December 31, 2026. These reports are included in the free weekly Equifax credit reports currently offered on through April 2021.

Your free annual credit report does not include your credit score, but you can get your credit score from several sources. Your credit card company may give it to you for free. You can also buy it from one of the three major credit reporting agencies. When you receive your score, you often get information on how you can improve it.

In 2003, the Fair and Accurate Credit Transactions Act (FACTA) was passed, allowing every consumer access to an annual free credit report. You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies., referenced on the Federal Trade Commission Consumer Information website, is a highly regarded, non-biased source for free credit reports and related information.

Consumers who visit these free credit report sites will now be greeted with a large notice at the top of the page informing them they can receive a free credit report from The link is required to be clickable so that customers can easily visit the site without having to type anything into their web browser.

This means you have a minimum of three times per year when you can request your credit report, free of charge, making it possible to remain abreast of the information contained there. Visit, the only official website offering free annual credit reports to request your copy. Once you receive your credit report, carefully go over the information contained there, looking for any discrepancies or inaccurate information.

Occasionally, the clients that we are representing under the Fair Credit Reporting Act ask us how to download a copy of their free credit reports from on their iPhone running iOS so they can send them to us to support their lawsuit. Here is a step-by-step guide for how to download and send your free credit report from Experian, TransUnion and Equifax on your iOS device or iPhone:

You can get your free credit report at You can request your credit report through the site or call 1-877-322-8228. You can order your credit report from individual bureaus or all three. is the only website legally authorized to fill orders for your free annual credit report. Any other website claiming to offer free credit reports" could be falsely claiming to be part of the free annual credit report program. Be mindful of websites trying to trick you with subtle differences.

Consumers can access their free weekly credit reports from each of the three credit reporting agencies at Consumers should review all items appearing in each section of their credit reports. If an error is identified, consumers should contact the credit reporting agency immediately to correct that information.

Federal legislation grants all consumers the ability to obtain a credit report every year, free of charge, from each of the three credit reporting agencies. The three agencies have set up a central website ( and a central toll-free telephone number (1-877-322-8228) to help consumers request the report.,,,,,,,, and

Your free annual credit report includes all accounts opened under your name as well as the actions you have taken, such as balances and payment history. However, it doesn't include your credit score. If you want access to your free credit score, consider alternative services provided by credit card issuers.

Due to an increase in fraud during the COVID-19 pandemic, annual credit reports can be requested for free weekly. Stay tuned to the website for updates on availability.

To receive a complete view of your credit history, you should obtain a separate report from Equifax, Experian and TransUnion since they could vary. An annual credit report will not include your credit score. However, it will have a detailed list of past and current lines of credit. There are three ways to obtain this report: online, over the phone and by mail.

You can request to receive your free annual credit report online at This is the only website authorized by the federal government to provide this information at no cost. Be extremely cautious of imposter websites by ensuring that the spelling and domain type is correct (e.g., sites like,,, etc., are not valid).

While you would typically expect to receive collections notices through the mail, you can also check for them on your annual credit report. Much like bankruptcies, judgments and liens, you should contact the CRA and the listed collections agency as soon as possible if you notice anything unfamiliar or suspicious.

If you have additional questions or concerns regarding your annual credit report, you can contact an Identity Theft Resource Center (ITRC) expert advisor and receive free assistance. We can discuss common scenarios and outline a plan for the next steps as needed. Call toll-free at 888.400.5530, email us at [email protected], or live-chat with us via the chat bubble on the right-hand side of our website

Each of the three major credit reporting companies are required by federal law to provide you with a free copy of your credit report each year. Monitoring your credit report can help you prevent fraud and understand factors which impact your credit score. However, there are now many companies which offer "Free" credit monitoring but end up charging steep monthly fees after an initial trial period. There's currently only one website,, officially authorized to provide your free annual credit report.

In order to get your free annual credit report, you will need to provide Central Source with your name, address, Social Security number and date of birth. If you have moved in the last 2 years, you may be required to provide your previous address.

It is always a good idea to evaluate your credit report annually to help identify any mistakes or fraud. Every 12 months the Fair Credit Reporting Act guarantees you access to your credit report from each of the three nationwide credit reporting companies - Equifax, Experian or TransUnion, or you may get a free credit report from If you have a discrepancy you may simply contact any one of the three credit bureaus listed below:

This site is highly recommended to be your source for the free annual credit report that's yours by law. Beware of other sites that may look and sound similar. The Federal Trade Commission (FTC) advises consumers who order their free annual credit reports online to be sure to spell out in your web browser address box, or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports.

The Fair and Accurate Credit Transaction Act allows all individuals the right to check their credit report once a year, free of charge. is the source authorized by Federal law for consumers to access their credit reports online for free. This central site allows you to request a free credit report once every 12 months from each of the nationwide consumer reporting companies: Equifax, Experian, and TransUnion.

Mailing address. To conduct the process almost entirely by mail, download the annual credit report request form, fill it out and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Credit scores are not included in free annual credit reports. But several dozen credit card companies and other sources will give you a credit score and a summary of your credit history at no cost, Ulzheimer says.

This fits into Ulzheimer's contention that excellent credit is an ideal way to build wealth. After all, it's better to pay a 2% annual percentage rate rather than a 4% APR for things you already plan to buy.

Note: Throughout the process you may be presented with the opportunity to view your credit score or FICO score. This is not part of the free annual credit report process and additional fees are required to access these scores. Remember, it is not necessary to request your score in order to view your credit report. 041b061a72


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