You may be eligible for a reduced or free credit report.

 

Maintaining a good credit history could lead to better rates on major purchases. Find out if you are eligible to get a credit report and score for free.

FACT Act


Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period.

TransUnion encourages consumers to exercise this right and contributes to a dedicated website that is designed to help with the fulfillment and management of the free annual credit report initiative.

Additionally, you can learn more about other circumstances that may entitle you to a copy of your personal credit report at no charge. You may be eligible for a free credit report in addition to your free annual report if:

Within the last 60 days, you have received an adverse action notice (i.e., you have been denied credit) based on information in your TransUnion Credit Report.

You are unemployed and plan to seek employment within 60 days.

You receive public welfare assistance.

You have reason to believe your TransUnion Credit Report is inaccurate due to fraud.

Your state offers a free or reduced-price credit report.

Free Annual Credit Reports and TransUnion Credit Reports are accessible to the vision impaired. Online reports are compatible with screen readers. Accessible formats can be requested by telephone or mail; please specify Braille, audio or large print

Request your free annual credit report online


Unemployed/Public Assistance


You have the right to know what is in your file.

You may request and obtain all the information about yourself in the files of a credit reporting company (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free.

Click here to get your free credit report if you are unemployed or on public assistance.

 

Fraud Victims


The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of fraud or identity theft. Here is a brief summary of the rights designed to help you recover.

Fraud Victim Bill of Rights

You have the right to ask the major credit reporting companies to place a Fraud Alert on your credit report.

You have the right to free copies of the information on your credit report.

You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information.

You have the right to obtain information from a debt collector.

If you believe information in your report results from identity theft, you have the right to ask a credit reporting company to block that information from your credit report.

You also may prevent businesses from reporting information about you to credit reporting companies if you believe the information is a result of identity theft.

 

Negative Credit Activity


It’s best to avoid having negative records on your credit report.

Generally, negative credit records, such as collection accounts, bankruptcies and late payments, will remain on your credit reports for seven to ten- years. Paying off the account sooner doesn't mean it’s deleted from your credit report, but listed as “paid.” Of course, it’s smart to pay your debts, but expect the major change in your report to come after negative records expire.

Purchase a TransUnion Credit Report


State Guidelines


See if you are entitled to a free credit report under state law.

In addition to consumers who are eligible for a free credit report through the Annual Credit Report Request Service, consumers in some states are eligible for a free credit report under state law. The following states have laws that make free credit reports available to consumers: Colorado, Georgia, Maine, Maryland, Massachusetts, Mississippi, New Jersey and Vermont.

Find out if you're eligible

 

 

Convenient Online Services
  • TransUnion Credit Report

    Purchase your TransUnion Credit Report Online

  • Place a Fraud Alert

    Help protect yourself from fraud or identity theft with a Fraud Alert

  • Place a Security Freeze

    Control third party access to your credit with a Security Freeze

  • File or Check Status of a Dispute

    Investigate potential inaccuracies on your credit report is easy. File a Dispute now