How to get your credit report for free

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3,045 families filed bankruptcy using Upsolve.

Written by Andrea Wimmer, Esq.  
Updated November 7, 2019

A nonprofit that helps you file bankruptcy for free.
  • We've helped over 2,000 families each clear on average $52,140 of debt.
  • Our users often file within 10 days of starting.
  • Our award winning nonprofit's help is 100% free.

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 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.

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Fast Forward

Upsolve is a 501(c)(3) legal aid nonprofit that started in 2016. Our mission is to help low-income Americans in financial distress get a fresh start through Chapter 7 bankruptcy at no cost. We do this by combining the power of technology with attorneys. Spun out of Harvard Law School, our team includes lawyers, engineers, and judges. We have mission-driven funders that include the U.S. government, former Google CEO Eric Schmidt, and private charities.

To learn more, read our reviews from past clients, or read our press coverage.


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