Learn about your credit report and how to get a copy | USAGov

The primary authorized way to check your credit history for free in the United States is through the website AnnualCreditReport.com.

: Get immediate access to your reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com.

: While federal law requires one free report per year from each bureau, the three major bureaus currently allow you to check your reports once a week for free online.

: Call 1-877-322-8228 to have reports mailed to you within 15 days.

: AnnualCreditReport.com is the only website authorized by the Federal Trade Commission (FTC) for these mandated free reports.

: Complete the official Annual Credit Report Request Form and mail it to the centralized processing service in Atlanta. Frequency and Availability

: If you need to buy a report or resolve specific issues, contact Equifax, Experian, or TransUnion directly via their official portals.