Every U.S. consumer is entitled to a free credit report every 12 months from the three major credit reporting companies: Equifax, Experian, and TransUnion. Here's how to get yours, why it matters, and what to do next.

How to Request Your Free Credit Report

Use the Official Website:
- Visit AnnualCreditReport.com, the only site authorized by law for free reports.
- Alternatively, call 1-877-322-8228.

Stagger Your Requests:
- Request a report from a different credit bureau every 4 months to monitor your credit year-round.

Why Check Your Credit Report?

• Impact on Key Decisions: Lenders, landlords, employers, and insurers use your credit report to evaluate your reliability.
• Spot Identity Theft: Unrecognized accounts could signal fraud.
• Fix Errors: Mistakes like incorrect balances or accounts can harm your creditworthiness.
• Stay Proactive: Regular monitoring helps you catch issues early.

What to Do After Getting Your Credit Report

Review Every Line:
- Check for errors in balances, accounts, or payment history.
- Look for unfamiliar accounts that could indicate identity theft.

Report Mistakes:
- Notify the credit bureau in writing.
- Contact the source of the incorrect information.
- Document all communications and use the provided dispute form to detail your issue.

Fix Identity Theft Issues:
- Visit the FTC's Identity Theft Guide for help cleaning up your credit.

Do You Get a Free Credit Score, Too?

• No, Credit Scores Are Not Included:
• You must pay a fee or sign up for trial offers to access your credit score.

• However, if you're denied credit, you’re entitled to a free copy of the score used in the decision.

• What Is a Credit Score?

• A three-digit number (300-900) derived from your credit report.
• Used by lenders, landlords, and insurers to assess financial reliability.

How to Improve the Credit Report Process

Many are advocating for free access to credit scores alongside annual credit reports.
- Join the Petition: Sign here to support this initiative.

Share Your Experience

• Have you used AnnualCreditReport.com
• Did you encounter errors or challenges
• Let us know your story!

By taking control of your credit report, you can better protect your financial health and future.

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