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Free Credit Report

With the rise of fraudulent activity, keeping track of your credit report has never been so important. To protect your credit, you need to keep a watchful eye on any activity that may show up on your credit report.

You can get a free copy of your credit report from each of the nationwide credit reporting companies once every 12 months.

How to Order Your Free Credit Report




No matter which method you choose, you can request reports from the nationwide credit reporting companies all at once or one report at a time. By requesting the reports at the same time, you can determine whether any of your files have errors. By requesting the reports separately, you can monitor your credit files more frequently throughout the year.

Your free credit report does not include a credit score. You can purchase a score directly from the credit reporting agencies and scoring companies. However, it’s important to check your credit report to make sure the information is accurate because your credit score is based on the information in your credit report. It’s also important to note the score you purchase may not be the same as the one lenders use to decide whether to give credit.

You are also eligible for free reports from some of the specialty consumer reporting companies. However, be cautious of websites that claim to offer free credit reports. A number of these sites will only give you a free report if you buy other products or services. Other sites give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by law, go to or call 877-322-8228.

If you have a problem with credit reporting, you can submit a complaint with the Consumer Financial Protection Bureau.