How to Get a Credit Report at No Charge

By law, you can view your credit report for free once per year from each of the major credit reporting agencies: Equifax, Experian and TransUnion. You should do this yearly to check the accounts listed on your credit reports to make sure there are no inaccuracies. There are several ways you can get your credit report and it will only take a few minutes of your time.

Instructions

1

Go to to AnnualCreditReport.com and fill out an application to view your credit report. Fill out your personal information and answer financial questions to confirm your identity and submit the form to view your report.

2

Call Experian at (888) 397-3742 or TransUnion at (800) 888-4213 to get your credit report for free. Equifax does not have a number you can call to obtain your credit report. When you call, give your personal information over the phone and verify your identity and the agency will mail your report.

3

Complete the Annual Credit Report request form and mail it in to receive your credit report from each agency in the mail. You only need to fill out this one form to receive your free credit reports and you will need Adobe Reader to view the form.