Free Credit Report
A good credit score can help you get a better interest rate, but it can also affect your life in other ways. Avoid scams and hidden fees when you get your free credit report.
Get Your ReportReasons to check your credit score
Make sure your score is accurate, complete and up to date before you apply for a loan
Prevent errors and inaccuracies from lowering your score
Protect yourself from identity theft and fraud
Get reports from all three nationwide reporting agencies, Equifax, Experian, and TransUnion
Check your score every 12 months free of charge
Related Services
Getting Started
Request Your Credit Report
Visit AnnualCreditReport.com or call 877-322-8228 and ask for copies of your report from all three nationwide agencies
Check Your Report for Errors
Review your reports for inaccuracies and make sure that all the loans and credit cards are really yours.
Report Any Problems
Tell the credit reporting companies if there are any issues or errors on your report.
Review Frequency of Payments
Use this calculator to determine your payment or loan amount for different payment frequencies. Examine your principal balances by payment, total of all payments made and total interest paid.
Free Credit Report FAQs
How do I avoid scams and hidden fees?
How does my credit report affect my finances?
How else can my credit report affect my life?
What if I find an error on my credit report?
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