Get your free credit reports — the right way.
Before anything else, you need to see what's actually on your file. This takes about 15 minutes and costs nothing. Here's exactly how to do it.
Watch for imitators: only annualcreditreport.com is authorized by federal law to give you these reports for free. Any site asking for a credit card first is not the official source.
Go to the official site
Visit annualcreditreport.com directly — type the address in yourself rather than clicking a search ad. This is the only site authorized to provide your free reports from all three bureaus.
Do this on a computer, not your phone — you'll want to save or print each report as a PDF, which is much easier on desktop.
Start your request
Click "Request my free credit reports" and enter your name, address, date of birth, and Social Security number. This is required by law to verify your identity and is handled securely.
Verify your identity
You'll answer a few multiple-choice questions pulled from your credit history. Answer honestly — this step exists to keep your report safe from identity thieves.
Choose your bureaus
Free weekly access to all three bureaus — Equifax, Experian, and TransUnion — is now permanent federal policy, not just a once-a-year benefit. We recommend pulling all three the first time, since each one can show different information.
Save your reports
Download or print each report as a PDF and keep them somewhere safe. These reports show your account history but do not include your credit score.
Found something that doesn't look right?
Use our free dispute and debt validation letter templates, or let us review your file with you at no cost.