Free Online Credit Reports Guide

Under federal law, you are entitled to a free copy of your credit report from each of the three major nationwide bureaus—, Experian , and TransUnion —every 12 months. Currently, a program initiated during the COVID-19 pandemic has been made permanent, allowing you to access these reports for free once a week . Official Source for Free Reports

is the only official website authorized by the federal government to provide these free reports. Alternative methods to order include: free online credit reports

You receive a notice that you were , insurance, or employment based on your report (request must be made within 60 days). Under federal law, you are entitled to a

Annual Credit Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281 Special Eligibility for Additional Free Reports Under federal law

Last Update: 2025-10-03