Credit Report - Completely Free

: Reviewing these reports allows you to spot unauthorized accounts or suspicious charges early.

The only official, government-authorized source for a completely free credit report is AnnualCreditReport.com . Federal law guarantees you access to these reports from the three major bureaus—Equifax, Experian, and TransUnion—without needing a credit card or signing up for a "free trial". Key Features of Official Free Reports completely free credit report

: You can access your reports online for immediate viewing, by calling 1-877-322-8228 , or by mailing a request form to receive them within 15 days. : Reviewing these reports allows you to spot

: While the law traditionally requires one free report every 12 months, the three bureaus have permanently extended a program allowing you to check your reports once a week for free online. by calling 1-877-322-8228