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.
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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.
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:
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:
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.
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: