Get your free credit report.

You’re eligible for one free credit report each year from the three national credit reporting agencies. In response to the COVID-19 health crisis, TransUnion is pleased to offer you one free weekly credit report through April 2021 at AnnualCreditReport.com.

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REPORT

Your annual credit report is now available weekly. And it’s still free.

The three national credit reporting agencies—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. In fact, AnnualCreditReport.com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports.

In response to the COVID-19 health crisis, TransUnion is pleased to offer free weekly credit reports online through April 2021. You can get your free report at AnnualCreditReport.com. Reviewing your credit reports regularly helps you ensure the information reported is accurate. It also gives you an opportunity to monitor your account history to combat identity theft.

You have more than one credit report.

When you order your free TransUnion credit report, you’ll also have the option to order your free Equifax and Experian credit reports. The information in these reports can differ, so it’s good practice to review all three. For example, some lenders choose to report account data to only one or two credit reporting agencies, not all three. Or, when you apply for a loan, a lender may only pull your credit report from one credit reporting agency, which would result in a hard inquiry on your credit report from that agency only.

What should I look for in my credit report?

When reviewing your credit report, check that all the information listed is up-to-date and accurate. Here’s a brief breakdown on the kinds of things to verify within each credit report:

  • Personal Information: Social Security number, name and address
  • Credit Information: credit accounts, credit limits, loans, balances and payment history
  • Inquiries: everyone who has reviewed your credit report in the past 2 years
  • Public Records: bankruptcies, which can stay on a credit report for up to 10 years

How do I fix inaccuracies on my credit report?

If you see something on your report that you believe is inaccurate, it may be a good idea to contact the business that reported the account, as they are the ones who can provide you more details. Your other option is to start a dispute with the credit reporting agency that issued the credit report. To start a dispute with TransUnion, visit transunion.com/disputeonline and we’ll start an investigation.

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REPORT AND SCORE

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

*Subscription price is $24.95 per month (plus tax where applicable).