Many websites use terms like "free report" or misspellings of the official URL to trick users into signing up for paid services or "free trials" that eventually charge fees.
Under federal law, the three nationwide credit bureaus—, Experian , and TransUnion —are required to provide you with a free copy of your credit report. While the law technically guarantees one free report every 12 months, the bureaus currently allow you to check your reports once a week for free through 2026.
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There are only three authorized ways to order these reports: Visit AnnualCreditReport.com . Phone: Call 1-877-322-8228 .
This guide covers how to access your official free credit reports, why they matter, and how to spot potential "imposter" sites. Many websites use terms like "free report" or
An application for credit, insurance, or employment was because of information in your report (must request within 60 days).
Spot inaccuracies, such as wrong addresses or incorrectly reported late payments. AI responses may include mistakes
Beyond the weekly reports from AnnualCreditReport.com, you are entitled to an additional free report if: