MONEY · CREDIT

YOUR FREE CREDIT REPORT, EVERY WEEK

The only official site, step by step

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

THE RULE

Free, every week

All three bureaus give a free report weekly. It became permanent in 2023.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

THE ONLY SITE

AnnualCreditReport.com

The one federally authorized site. Look-alikes try to sell you plans.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

STEP 1

Enter your details

Name, address, birth date and Social Security number.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

STEP 2

Pick the bureaus

Equifax, Experian, TransUnion, or all three at once.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

STEP 3

Save the PDFs

Download each report and keep it to compare next time.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

CHECK FOR

Accounts you don't know

Also wrong addresses, fake late payments and strange inquiries.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

FOUND AN ERROR?

Dispute it free

File with the bureau online. It generally has 30 days to investigate.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

NO SCORE HIT

Checking is safe

Looking at your own report never lowers your score.

File photo: Shixart1985 / Wikimedia Commons, CC BY 2.0

FREE U.S. GUIDE

Check yours today

What to look for, how to fix errors, and phone and mail options.

nexgenheadlines.com

Photos: Wikimedia Commons (CC BY / CC BY-SA) and public domain, shown as file photos. General information, not legal or financial advice.