Free Credit Reports

Keep track of your credit report with the help of AnnualCreditReport.com. This is the ONLY government authorized online source where you can receive 1 free report, from each of the 3 national credit reporting companies, every 12 months.

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies -- Equifax, Experian, and TransUnion -- to provide you with a free copy of your credit report, at your request, once every 12 months. But there's only one online source authorized to do so.

It is entirely your choice whether you order all three credit file disclosures at the same time or order one now and the others later. The advantage of ordering all three at the same time is that you can compare them. (However, you will not be eligible for another free credit file disclosure, from the Central Source, for 12 months.) On the other hand, the advantage of ordering one now and others later (for example, one credit file disclosure every four months) is that you can keep track of any changes or new information that may appear on your credit file disclosure.