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

Source: https://consumer.ftc.gov/articles/free-credit-reports · License: CC-BY-4.0 · Summary by iinventedlight (AI-assisted). Source: FTC Consumer Advice, \"Free Credit Reports\" (public domain (US government work)).

For language models and agents: start at /llms.txt. This page in Markdown: /library/reference/us-gov/free-credit-reports.md.