Your 3 Free Credit Reports

Your credit reports provide important information about your credit history. It’s a good idea to regularly review them to ensure the information they include is accurate and to monitor for any signs of identity theft.

In this article:

• Accessing Your Credit Report
• How to Use Your 3 Credit Reports
• Why Check Your Reports
• Monitor Your Credit

Residents of the United States are always eligible for one free copy of their credit report from each of the three national credit reporting agencies every 12 months as part of the Federal Fair and Accurate Credit Transactions (FACT) Act.

And now you are eligible for a free weekly credit report from the three national credit reporting agencies. TransUnion is pleased to offer you free weekly credit reports throughout 2023 at annualcreditreport.com.

Accessing Your Credit Report

To get your free credit report from each credit reporting agency, visit AnnualCreditReport.com. To access your reports, you will need to provide certain information, including your name, Social Security number and address. You will then be asked to select which of the credit reporting agencies you want to get your report from:

• TransUnion
• Experian
• Equifax

How to Use Your 3 Credit Reports

Once you get a copy of your reports, you'll be able to see what lenders and other permitted parties see about your credit activity and history. The reports list the following types of information:

• Your name and address
• Your current open accounts, including balances and payment history
• Your closed accounts, unless they are over 7 years old
• Records of inquiries by all parties that received a credit report from that particular credit reporting agency
• Public records from the last 10 years

You can also follow the instructions provided on AnnualCreditReport.com to report any inaccuracies. You will not receive a credit score with your free annual credit reports. However, there are many places where you can request a credit score, including other websites, some banks where you may have an account, and directly from the three credit reporting agencies. A TransUnion Credit Monitoring membership includes unlimited access to your score with updates available daily.

Why Check Your Reports?

One important reason to regularly check your reports is to verify the information in them is accurate. If you find something you think is inaccurate, it may be a good idea to contact your lender directly to get more details, since they report the account to the credit reporting agencies. You can also start a dispute with TransUnion, and we’ll investigate. Knowing what is on your credit reports also may help you make good decisions to maintain your credit health.

Credit monitoring products can make it easier for you to stay on top of your reports and credit health. For example, with TransUnion Credit Monitoring you can:

• Refresh your TransUnion score & report daily
• Get alerts whenever there are critical changes to your TransUnion, Experian or Equifax reports
• Learn how you can improve your credit health with hands-on, interactive tools
• Protect your credit health & identity with Credit Lock Plus and $1MM ID Theft Insurance

See your credit trends, at a glance. Get smarter about your credit with our interactive score-trending graph.