Get your free credit reports
Every U.S. consumer is entitled by federal law to one free copy of their credit report from each of the three nationwide bureaus (Equifax, Experian, and TransUnion) every 12 months, through the official AnnualCreditReport.com program.
Good to know: This page is educational only. We are not affiliated with Equifax, Experian, TransUnion, or AnnualCreditReport.com, and we never request, receive, or store your credit report, Social Security number, or any other personal identifying information on your behalf. The only official source for your free annual credit reports is annualcreditreport.com or 1-877-322-8228 — be wary of any other site or caller offering "free credit reports" that asks for payment or excessive personal information upfront.
How to order
1-877-322-8228
A 3-minute call. Reports for all three bureaus arrive by mail within about 15 days.
annualcreditreport.com
Request and often view your reports online the same day.
Mail-in request form
Print and mail the official request form if you'd rather not call or go online; also takes about 15 days by mail.
Questions about a class or material? Check our class calendar or browse our resources.