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From the Experts at Credit.com

How Do I Get My Free Annual Credit Report?

by Gerri Detweiler

Learn where to go and how to get your free annual credit reports from the 3 major bureaus. You'll learn how to get your Free Credit Score at Credit.com too!

Do you want to check your free credit report for mistakes or fraud? Or do you want to know what lenders see when they review your credit? If so, you may be wondering, “How do I get my free annual credit report?”

Credit.com provides consumers with an easy-to-understand overview of their credit, along with their credit score, when they sign up for a free account. The data is updated monthly, and always for free. We frequently hear from people who have seen changes in either their credit scores or the information in their Credit Report Card and they want more information. People in this situation should definitely take a look at their actual credit reports. It’s your right, and it’s free.

Under federal law, the three major credit reporting agencies – Equifax, Experian and TransUnion – are each required to provide consumers with one free copy of their credit report each year.

Getting your free credit report does not hurt your credit rating – nor does getting your credit score at Credit.com.

At AnnualCreditReport.com, you can request your report from Equifax, Experian and TransUnion. You can either order and view each report online, or request that a copy be mailed to you. You’ll have to provide personal information to verify your identity when you order.

It’s a good idea print a copy of your report if you find you need to dispute information on your report. If you download your report, make sure your computer is protected by up-to-date antivirus and malware programs. You don’t want your credit report to fall into the wrong hands!

If you prefer not to order your report online, or if you have trouble answering the security questions, you can order your reports by phone by calling 1-877-322-8228. You can also request your file by mail, which will require you to print the order form you’ll find online and mail it to the agencies with identifying information.

Some experts recommend staggering your requests for your reports so that you get one from each agency every four months. One of the problems with this approach is that these agencies don’t share information with each other, so if there is a mistake on one of your reports and you wait several months to order it, you might not catch it right away.

More Free Credit Reports

There are situations where you may be entitled to even more copies of your reports at no cost. If you a fraud victim, or you are unemployed and seeking work, for example, you can get additional copies without having to pay for them. In addition, in some states residents get additional opportunities to order free credit reports under state law.

If you’d like to have regular access to your credit reports as they are updated, you will most likely have to subscribe to a credit monitoring service, for which there will likely be a recurring monthly fee.


  • olivia elliott

    5/19/14-MORNING ”IF” ANY PERSON’S HAS TRIED THIS WEBSITE COULD U KINDLY E-MAIL ME .IS THIS SERVICE FREE.

  • http://www.Credit.com/ Gerri Detweiler

    Most mortgage lenders use a specific version of the FICO score that may be different than the ones consumers obtain through other sources. However that’s less a function of the fact that a reseller is involved (which is common in the mortgage industry which needs tri-merge reports) and more due to the version of the FICO score that meets Freddie/Fannie guidelines. We wrote about different credit scores in this article: Why Do I Have So Many Credit Scores?

    I’ll add that with a free Credit.com account we give consumers two scores scores from different scoring models so they can see how they compare.

  • http://www.Credit.com/ Gerri Detweiler

    There are a few instances where you can get additional free copies of your reports: How to Get (Even More) Free Credit Reports

  • http://www.credit.com/ Credit.com Credit Experts

    You may want to dispute the information in your credit report. It is possible that identity theft is the reason for those unfamiliar addresses. Here’s how to dispute:
    How Do I Dispute an Error in My Credit Report?

    • Sil

      What good is THAT going to do?? I did that and it’s STILL on there with some little notation stating: Disputes Account. Big Deal. Other than having to hire a Consumer Attorney, how does one go about getting a bogus account off your credit report???

  • Bad Habit

    I have over half a million dollars in identity fraud attached to my credit score for the last 8 years.
    No matter how much proof I provide that the debt is not mine [charges made to business in states that I have never been to, charges made within minutes of each other yet are hundreds of miles apart, etc.] the companies involved refuse to believe me and have the charges removed.

    I don’t know what else to do but ignore the collection calls and letters and live a purely cash life since I cannot even open a bank account anymore.

  • Kathy Bodziak

    ag2013 you can get one per year from each agency. Just get one from Experian, four months later get one from Equifax, four months later get one from TransUnion. Four months later, go back to Experian. I just mark my calendar so I remember when it’s time to request the next one. That way you can see it for free every four months and since the reports are usually very similar, you should catch anything that’s not right.

  • Eroc

    I personally buy with nothing but cash. The credit industry is milking billions from consumers who just don’t know any better try to use just cash. If you can’t afford it, you don’t need it.

    • Mish

      i cant afford a house, and i dont want to rent all my life, i’d rather pay mortgage which is just like rent, and after 10-20 years i get to own the house.

    • sparksnavy

      Well, well EROC,
      Well, now, aren’t you the perfect one—yep, the credit card co.’s are doing “their” thing–did you pay cash for your House–or do you even own one?
      Did you pay cash for your New vehicle, or always driving 10 and 13 year old vehicles? For 2K or 3K each? You only need liability ins. on the older ones depending on what state you live in!
      Not saying one must buy a new vehicle every year or even every 2,3,4 years!
      But, improvements are made on the vehicle re: the safety features! Some better , some questionable!
      Just remember this—-“THE LOVE OF MONEY IS THE ROOT OF ALL EVIL!”
      Just say’in—
      Sparksnavy

      • slickwilly

        Cash and I own 3 homes.

      • Michael

        I would say that you need some scrutiny from the Federal Government as to see how much the banks can charge for a 20 year mortgage. The interest rates should be the same in the U S.

        The interest rares for cars should be the same since the Car Insurance Companies are operating in the different states and cannot leave when they begin to lose business.

  • http://www.Credit.com/ Gerri Detweiler

    Have you talked with the counseling agency that you’re working with? Usually, when you enter into a debt management program, your payments are brought up to date.

    • 4evernascarfan

      They don’t do anything to help!

  • http://www.Credit.com/ Gerri Detweiler

    Great question! We wrote about that in this article: Will a Lost or Stolen Credit Card Hurt Your Credit Scores?

  • http://www.Credit.com/ Gerri Detweiler

    Tony – Are you sure you went to the right address to get your free reports: AnnualCreditReport.com? You will have to answer security questions to verify your identity but I am not aware of a situation where anyone would call you….?

  • SAnn

    If you have something on your credit from over 10 yrs ago shouldn’t this be removed from the record? I Still get letters from credit recovery companies because each company sells the debt to a new company every year. What can I do?

    • http://www.credit.com/ Credit.com Credit Experts

      SAnn —
      Assuming there has been no activity on the account, it should come off your credit report 7 years and 180 days after it first went late. You are probably right that the account keeps getting resold. Those sometimes sell for pennies on the dollar, and the collectors may come after people who are no longer legally required to pay. You can read more here: Does Your Old Debt Have an Expiration Date?

  • sparksnavy

    PRATOMORONE–have the reports sent to someone you trust ( in Your name–not your friend’s name– at your friends address etc.(he /she will know what it is)– and have them forward it to you at your overseas address (your friends’ address will be your current/mailing address in the States, if he/she approves!) Whatever fits your particular situation. Make sure it will be Insured and what ever other security one can provide, buy etc. and send them the money before hand, if possible, to do all of this!,
    Hopefully, the person you trust will leave it unopened and placed inside another envelope as indicated above!
    You have probably thought of some or all of this anyway–just say’in–
    Hope this helps–

    Sparksnavy

  • sparksnavy

    antsgrammy–
    Yep–and to them it is/will be late–of course they will not tell you that and of course you don’t always know what questions to ask! Most employees will not and do not “VOLUNTEER ANY INFORMATION AS IF IT WAS HAPPENING TO THEM–A BUNCH OF DUMMIES AND WITH IMPROPER TRAINING!
    Here you are trying to do the correct and proper thing and they couldn’t care less–Why you ask? lol–the ones usually working on your situation or whomever you originally talked to didn’t tell you and you didn’t know to ask!
    I had a situation like that about 50 years ago with a CC co. I got behind ,informed them (her) of my situation and we agreed on a payout schedule that I could do! And I thought everything was going as discussed!
    Well, well,—guess what? After several days/weeks I kept receiving calls, mail etc. about the situation and after telling them whom I spoke to and what was decided—found out she went on vacation the very next day after our conversation and no one picked up her unfinished business, she just left it without telling anyone I guess! AND OF COURSE I DIDN’T KNOW TO ASK IF SHE WAS ABOUT TO GO ON VACATION! That is my example for you!
    I wish you the best and hope it all gets worked out! You might want to ask the next person you talk to– “if they are about to go on vacation!” LOL
    Sparksnavy

  • http://www.Credit.com/ Gerri Detweiler

    We provide you with a free credit report card once a month, which includes two credit scores, an analysis of your scores, and an action plan for your credit. (If you want the full report you can get it through AnnualCreditReport.com.) Security is very important to us. You can read about Credit.com’s security promise here. I hope you’ll give it a try!

  • paporter

    It is because there are others with same name, initials, etc and they only pull by name most of the time. There are those who don’t do their jobs but on the surface for a paycheck. They never learned customer service because a lot of them treat you as if you are wrong and they are always right. Sometimes supervisors are no different. Legal action may be the only way to resolve. It is your life they are messing with and you must protect yourself.

  • Donna

    I would like to know how to remove an incorrect address on my report. More important how it got there in the first place. Who do I contact to remove this discrepancy.

    • http://www.credit.com/ Credit.com Credit Experts

      It will be at the top of your credit report. You should see both an email and a physical address.

  • cheryl

    how do i know when i got my last credit report?

    • http://www.Credit.com/ Gerri Detweiler

      If you try to order your free annual credit report and it’s been less than 12 months since you last did, you will get a message to that effect.

      • cheryl

        thanks

  • Maggiemae

    I was added to my mother’s credit card accounts as a secondary card holder. My mother died with large outstanding balances. My credit has always been very good, but , since my mother’s death, my credit report card shows an F for payment history, but, A an A+ for everything else. I always understood that only the primary cardholder ‘s credit score was affected by unpaid balances, and not the secondary person on the account. How can I correct this negative impact on my credit score?

    • http://www.credit.com/ Credit.com Credit Experts

      Maggiemae —
      Are you saying you are an authorized user (not sure what you mean by “secondary”)? If you were an authorized user, all you need do is call the credit card issuer and ask to be removed from the card. If you mean you were a joint user or co-signer, then you may be responsible for the debt. If you were an authorized user and have yourself removed from the account, your credit score should return to its earlier levels.

  • Michael

    I think your wrong John. When you have a mortgage, you have to pay the escrow (if you want) or tell the bank that you personally pay the escrow, (it’s you money).
    You will have a better chance to handle your own money to pay when the real estate taxes are presented which is yearly semi annual. Your monthly will be colecting interest and you pay the real estate from the money that is collectiing interest. But be sure to read the contract that you sign.
    Once you pay your home off, all you have to pay is the real estate taxes twice a year.

  • Michael

    I would believe that this has happened because you now have the big 3 credit bureaus that are meddling with your account.
    I like you in my credit report years ago had a credit report of a man in way down Texas way, and with a different surname

  • Neanie

    When I try to retrieve my credit report online – It tells me I have to mail in request. Is this something new?

    • http://www.Credit.com/ Gerri Detweiler

      That happen when they can’t confirm your identity online. It doesn’t happen in the majority of requests, but it’s not entirely unusual either.

  • brian waters

    this free annual credit report online is pure american crap—- one did it the other two wouldnt

  • Vanessa Hamilton

    I just purchased a car but, almost didn’t get it because the finance company said I have to many different social security numbers. I have only had one ssn my entire life.

    • http://www.credit.com/ Credit.com Credit Experts

      Vanessa —
      That is not something we have encountered either. It’s good you got the loan. Have you checked your credit to make sure your credit reports are accurate? Here’s how to get your free annual credit reports.


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