Free Credit Reports Apr 2026
AnnualCreditReport.com is the by federal law to provide free reports from the three major bureaus: Equifax, Experian, and TransUnion.
Be wary of other sites with similar names that may charge fees or require "free trials". Request methods: Online: Visit AnnualCreditReport.com for immediate access. Phone: Call 1-877-322-8228 . free credit reports
Getting a free credit report is a legally protected right for all U.S. consumers, designed to help you monitor your financial health and catch errors or identity theft. AnnualCreditReport
Use the Annual Credit Report Request Form and mail it to P.O. Box 105281, Atlanta, GA 30348-5281. Frequency of Access Phone: Call 1-877-322-8228
Federal law guarantees at least one free report from each bureau every 12 months.
Many experts suggest rotating your requests (e.g., one bureau every four months) to monitor your credit year-round. Free Credit Reports - FTC Consumer Advice
Currently, all three bureaus offer free weekly reports online through AnnualCreditReport.com .