How to get a free credit report
Do you want to get your credit report for free? You can get it online. Go to AnnualCreditReport.com. AnnualCreditReport.com is the real, free site.
Don’t be tricked by fake sites
A lot of scam companies are trying to take your hard-earned money. Don't get scammed!
Are you looking at a website that says you will get a free credit report, but you have to pay a fee or pay for a subscription to get your free credit report? That's a scam site.
Credit reports from the three credit bureaus (Equifax, Experian and TransUnion) are free once every 12 months through AnnualCreditReport.com.
Don’t reply to pop-up ads or emails about free credit reports
Just go to AnnualCreditReport.com. AnnualCreditReport.com is the real, free site.
Learn more on the U.S. Federal Trade Commission’s website
Read more about your right to a free credit report on the Federal Trade Commission’s website.
Read about the scams fake sites are running on the FTC's Consumer Alert page.
The Federal Trade Commission (FTC) is the United States Government watchdog against consumer fraud and abuses. The FTC enforces federal consumer protection laws that prevent fraud, deception and unfair business practices.
Place a fraud alert or freeze on your credit report
Learn how on our Identity Theft page.
Medical debt on your report
Learn about medical debt and your credit report on our Medical Debt page.
“Specialty” reports
“Specialty” consumer reporting agencies collect and sell reports about your personal information like your work history, rent payments, banking, loans, insurance, and criminal background. They may also include other information from public records such as tax liens, civil suits, and bankruptcy.
It’s important to know what’s in your specialty reports, especially if you are applying for a job, trying to rent an apartment, applying for a checking account, or buying property or health insurance. This list of consumer reporting agencies will tell you which specialty reporting companies will provide a free copy of their report about you — and how you can get it.
More information
- Fixing Your Credit FAQs - Federal Trade Commission
- Credit Counseling & Help Paying Debt - GreenPath Financial Wellness
- Money and Credit - Vermont Attorney General
- Money Matters: Tips from the Federal Trade Commission
- Growing Money - CVOEO
- Managing Student Loans - Student Loan Borrower Assistance website
- Check your local Community Action Agency to find out if they offer credit counseling programs
