Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free credit report from each of the three main 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 this 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 based on information from 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 file is inaccurate due to fraud
- Your state offers a free or reduced-price credit report
Learn more about obtaining a free credit report if you meet one of the above conditions.
