This notice is required by law. Read more at ftc.gov. You have the right to a free credit report from annualcreditreport.com or 877-322-8228, the only authorized source under federal law.
 

annual free credit report

annualfreecreditreport.com

Annual Free Credit Report

Get your annual free credit report. It's quick, easy and secure.
 
 

Annual Free Credit Report

annualfreecreditreport

Requesting Your Annual Free Credit Report

Viewing your annual free credit report files are allowed by both state and federal laws. You can request your annual free credit report once every 12 months from each of the three consumer reporting agencies, Equifax, Experian and TransUnion. It only takes a couple of minutes to view and print your annual free credit report so there isn't any reason not to do so. 

What Is In Your Annual Free Credit Report?

Your annual free credit report provides you with information that is in your credit file maintained by the consumer reporting companies which could be given in a report about you to a lender.  A credit report lists the full detail on all your credit accounts.

Order All Annual Free Credit Reports Now Or Space Them Out Over 12 Months?

You are entitled to receive one annual free credit report every 12 months from each of the major credit reporting bureaus and it is entirely up to you if you wish to order all three credit reports at the same time or order one now and the others later.
 
 
 
   
The advantage of ordering all three credit reports at the same time is that you will be able to compare them. Then you would not be eligible for another free credit report for another 12 months. The advantage of ordering one now and others later, one credit report every four months for example, is that you can keep track of any changes or new information that may appear on your annual free credit report. So if you request yours from only one credit agency today you can still request from the other two at a later date. That way, you will have access to your updated credit report every four months throughout the year.

Your Free Credit Score

Your credit score is a number from the Fair Isaac Company or FICO, and is a mathematical model that evaluates many different types of information in your credit file. Your FICO Score is used by a lender to help them determine whether you might qualify for a particular credit card, loan, or service. Most credit scores estimate the risk a company incurs by lending you money or providing them with a service. In other words, the likelihood that you would make your payments on time in the future. The higher your credit score, the less risk you represent to a lender. 

Annual Free Credit Report Versus Free Credit Score

Your Annual Free Credit Report lists the full detail on all your credit accounts. It tracks your past payments on all your loans and credit cards. Your credit report is different than your credit score. Your credit score is a number that ranges from 300 to 850.

Know Your Credit Score

You should always stay on top of your credit reports and credit score before you apply for any loans or credit card. You can get your annual free credit report from any or all of the three major credit reporting agencies. To learn more about your credit report and credit score, visit our AnnualFreeCreditReport blog, You will also find excellent tools such as credit monitoring services to help you stay on top of what's in your credit report file.

Your Credit Score Constantly Changes

The credit score you saw last year or even last week for that matter, was a snapshot of your credit file at that moment in time. Credit scores are fluid and can change anytime your credit report file is updated with new information. 

How Do You Request A "Fraud Alert" Be Placed On Your File?

You have the right to ask the consumer credit reporting companies to place a fraud alert in your file to let any potential creditors know that you may have been a victim of identity theft. Fraud alerts can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you. This may delay your ability to obtain future credit while the fraud alert is in place, that's why your annual free credit report is so important. You may place a fraud alert in your file by calling any one of the three major credit reporting agencies. As soon as that agency activates your fraud alert, it will notify the others to place fraud alerts in your credit report file as well. You may get your AnnualFreeCreditReport from the credit bureaus listed here.

Credit Reporting Agencies

Equifax
P.O. Box 740256 Atlanta, Georgia 30374
Experian
P.O. Box 9554 Allen, Texas 75013
TransUnion
P.O. Box 6790 Fullerton, CA 92834