Experian, TransUnion and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.
Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian®, Equifax® and TransUnion® - once every 12 months. Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history.
How can I request my free statutory annual credit file disclosure?
- You may contact the Central Source by visiting www.AnnualCreditReport.com
- You can request by phone and call 877 FACTACT
- You can complete the Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.
Your free annual credit report does not include your credit score. A credit score is an additional service that can be purchased when getting your credit report. Along with knowing your credit score you will learn what factors positively or negatively impact your credit risk.
What is the FACT Act?
The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.
How often can I get a free credit file disclosure?
The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies every twelve months.
What is a credit report?
Your personal credit report contains details about your financial behavior and identification information. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history. Learn more.
Is everyone eligible to get their free statutory annual credit file disclosure?
Yes. As of Dec. 1, 2005 all consumers are eligible to request their statutory annual credit file disclosure once every twelve months.
FAQs
You can access your free Experian credit report at any time by signing up for a free Experian account. You can request annual credit reports for free from each of the 3 major reporting agencies—Experian, Equifax® and TransUnion®—online via www.annualcreditreport.com or by calling 1-877-322-8228.
How do I get a copy of my annual credit report? ›
How to get a copy of your credit report
- Online by visiting AnnualCreditReport.com.
- By calling 1-877-322-8228 (TTY: 1-800-821-7232)
- By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
To download your Experian credit report, you'll have to register with them first. Once you've logged in to your account, you'll have an option to save or print your credit report. Click on this and your report will open in a new window. From here you can print it or save it as a PDF.
How can I get my Experian report? ›
How can I request my free statutory annual credit file disclosure?
- You may contact the Central Source by visiting www.AnnualCreditReport.com.
- You can request by phone and call 877 FACTACT.
- You can complete the Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Online: If you request your report at AnnualCreditReport.com , you should be able to access it immediately. Phone: If you order your report by calling (877) 322-8228, your report will be processed and mailed to you within 15 days.
Is annual credit report still free? ›
You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year.
Is AnnualCreditReport.com a legitimate site? ›
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.
How much does it cost to get your credit report from Experian? ›
Stay Up to Date With Your Free Credit Report
With your credit report from Experian, you can monitor your credit with daily notifications when key changes occur, and get your FICO® Score for free.
How do I download my full credit report? ›
You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .
How to get Experian report free? ›
You can either request your credit history via a basic statutory report for free, or new customers can sign up to a free trial of CreditExpert which will include your Experian Credit Score, fraud monitoring and alerts, and tailored guidance on how to improve how lenders see you.
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.
How long does it take to get an Experian report? ›
You can apply for your Statutory Credit Report by post by filling in the application form and sending it to the address below. It usually takes up to 7 working days for your report to arrive. It may take longer if we require some more information to verify your identity.
Does everyone have an Experian credit report? ›
It's possible to not have an Experian credit report if you have not opened a credit account or if none of your accounts are reported to Experian. Because credit reports record your history managing credit, you won't have one if you've never had a credit account.
How do I get my free credit report pdf? ›
For instant access to your free credit report, visit www.annualcreditreport.com. For more information on obtaining your free credit report, visit www.annualcreditreport.com or call 877-322-8228.
Does annual credit report hurt your score? ›
No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com .
Does annualcreditreport do a hard pull? ›
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.
What is the safest way to get a copy of your credit report? ›
You can request and review your free report through one of the following ways:
- Online: Visit AnnualCreditReport.com.
- Phone: Call (877) 322-8228.
- Mail: Download and complete the Annual Credit Report Request form . Mail the completed form to:
These are the only ways to order your free annual credit reports: visit AnnualCreditReport.com. call 1-877-322-8228, or.
Is it safe to request annual credit report online? ›
AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site. Double-check the URL when you type it, to be sure you have not made a typo. Some other sites have similar-sounding names, so check that the URL matches and the site looks as expected.
What is the best site to get a free credit report online? ›
Don't be fooled by look-alikes. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.
