- The easiest way to get a free copy of your credit reports is to visit www.annualcreditreport.com, the official website authorized by the federal government to provide free credit reports from the three major credit bureaus: Equifax, Experian and TransUnion.
- Yes, three reports – three different companies, three different reports
- Federal law requires these companies provide us with free reports once every three months but the law does not require free credit scores.
- You can (and should) request one free report from each bureau every 12 months, so you can check your credit history and spot any errors or frauds that might affect your score.
- You can also get a free credit report if you have been denied credit, insurance or employment based on your credit report, or if you are a victim of identity theft, or if you are unemployed and looking for a job, or if you receive public assistance.
- Some websites or apps may offer you free credit reports or scores, but be careful because they might charge you hidden fees or sell your personal information to third parties.
- Always read the terms and conditions before signing up for any service that claims to be free.
- Remember that your credit reports are different from your credit scores, which are calculated based on the information in your reports. Your scores may vary depending on the scoring model and the source. You can get your FICO score for free from some banks, credit card issuers or online platforms, but other scores may require a fee.
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