How to get your credit report for free

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Written by Andrea Wimmer, Esq..  
Updated June 22, 2020

Summary

Your credit report has a lot of power over your daily life - whether that's when you go to get a new car or are applying for an apartment. In addition to using credit responsibly, keeping an eye on your credit report is one of the most valuable things you can do to make sure your financial house is as stable as possible. There are three ways to request a copy of your free credit report.

Character "Blob" dressed as Sherlock Holmes examining his papers with a magnifying glass.

Your credit report has a lot of power over your daily life - whether that's when you go to get a new car or are applying for an apartment. In addition to using credit responsibly, keeping an eye on your credit report is one of the most valuable things you can do to make sure your financial house is as stable as possible.

There are three credit reporting agencies for consumer credit in the United States:
  • TransUnion

  • Equifax 

  • Experian

Each and every one of them is required by law to give you a copy of your credit report for free once every 12 months. Unfortunately, this does not happen automatically; you have to request it.

There are three ways to request your credit report:
  1. Online at AnnualCreditReport.com. This is the only online provider of credit reports that is authorized to do so by the federal government specifically for this purpose.

  2. By calling (877) 322-8228 and making the request over the telephone

  3. By mailing this request form to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281

You don't have to get all three credit reports at the same time.  To learn more about your rights with respect to your credit report, check out the information provided by the Consumer Financial Protection Bureau on this topic.

About the author

Andrea Wimmer, Esq.

Andrea practiced exclusively as debtors’ counsel in consumer chapter 7 and 13 cases for more than 10 years before joining Upsolve, first as a contributing writer and editor and ultimately joining the team full time in August 2019. While in private practice, Andrea handled all ban... read more

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Upsolve is a 501(c)(3) nonprofit that started in 2016. Our mission is to help low-income families who cannot afford lawyers file bankruptcy for free, using an online web app. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have world-class funders that include the U.S. government, former Google CEO Eric Schmidt, and leading foundations. It's one of the greatest civil rights injustices of our time that low-income families can’t access their basic rights when they can’t afford to pay for help. Combining direct services and advocacy, we’re fighting this injustice.

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