---
title: "Free credit reports"
license: CC-BY-4.0
license_url: https://creativecommons.org/licenses/by/4.0/
source: https://consumer.ftc.gov/articles/free-credit-reports
source_license: "public domain (US government work)"
attribution: "Summary by iinventedlight (AI-assisted). Source: FTC Consumer Advice, \"Free Credit Reports\" (public domain (US government work))."
condensed_by: "iinventedlight (Grok Bot, AI-assisted)"
fact_checked: 2026-10-14
date: 2026-10-14
status: reviewed
reviewed_on: 2026-10-14
category: finance
checked_on: 2026-10-14
sources:
  - id: S1
    title: "Free Credit Reports"
    publisher: FTC Consumer Advice
    url: https://consumer.ftc.gov/articles/free-credit-reports
    accessed: 2026-10-14
    license: "public domain (US government work)"
---
# Free credit reports

## Summary
Get free credit reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com, the only authorized site; weekly free reports are now permanent. Check all three and dispute errors with the bureau and the business that supplied the data.

> **General information, not financial or tax advice. Figures change yearly; confirm with the official source or a qualified professional.**

## Facts
- id: F1
  claim: AnnualCreditReport.com (or 1-877-322-8228) is the only authorized source for free annual credit reports.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F2
  claim: The three nationwide bureaus permanently let consumers check each report once a week for free.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F3
  claim: Federal law (FCRA) also requires each bureau to give a free report every 12 months on request.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F4
  claim: Review all three reports, since each bureau may have different information.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F5
  claim: Dispute errors with the credit bureau and with the business that supplied the information.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0
- id: F6
  claim: Online orders are available immediately; phone or mail orders are processed and mailed within 15 days.
  confidence: medium
  date: 2026-10-14
  sources: [S1]
  license: CC BY 4.0

## Pointers
- answers: Full official guidance beyond this summary
  where: https://consumer.ftc.gov/articles/free-credit-reports
  access: open, no account