Getting your credit reports - Annual Credit Report.com. (2024)

FAQs

Is the annual credit report .com legit? ›

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

Visit AnnualCreditReport.com to request free copies of your credit reports. Other sites may charge you or be fraudulent sites set up to steal your personal information. By law, everyone is entitled to one free credit report every twelve months from each of the three credit reporting agencies.

Checking your own credit report is not an inquiry about new credit, so it has no effect on your score. In fact, reviewing your credit report regularly can help you make sure the information the credit reporting companies share with lenders is accurate and up-to-date.

No, checking your credit report does not hurt your credit. And checking your credit score doesn't hurt your credit either. These actions are considered “soft pulls” which don't affect your credit score.

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com.

AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

With Experian being the largest credit bureau, many people wonder how accurate the Experian credit score is. Much like the scoring models, your score is equally accurate with each of the individual bureaus based on the information reported to your credit report for that bureau.

You can start by going to the three major credit bureaus, Equifax, Experian, and TransUnion first by logging on to AnnualCreditReport.com to check your report for free. Each agency gives you access to your report once every 12 months.

FICO scores are generally known to be the most widely used by lenders. But the credit-scoring model used may vary by lender. While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores.

Does an annual credit report hurt your credit? ›

Highlights: Checking your credit reports or credit scores will not impact credit scores. Regularly checking your credit reports and credit scores is a good way to ensure information is accurate. Hard inquiries in response to a credit application do impact credit scores.

AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.

Yes. The site's security protocols and measures protect the personal information you provide. You must enter your Social Security Number to receive a free credit report through AnnualCreditReport.com.

For a score with a range between 300 and 850, a credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent. Most consumers have credit scores that fall between 600 and 750. In 2023, the average FICO^® Score^☉ in the U.S. reached 715.

Since hard inquiries affect your credit score and what is found may even affect approval, you might be wondering: How many inquiries is too many? The answer differs from lender to lender, but most consider six total inquiries on a report at one time to be too many to gain approval for an additional credit card or loan.

AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .

We will never send you an email directly. If you ever receive an email that appears suspicious and appears to be from us or about the Annual Credit Report Request Service, do not reply to it or click on the link it provides.

Experian, Equifax and TransUnion are all respected, credible bureaus that are used widely.