How to Get a Free Credit Report and Check It

Start with the authorized route

The CFPB directs consumers to AnnualCreditReport.com to request the free reports authorized by law from Equifax, Experian and TransUnion. You can request reports together or separately. The law provides an annual entitlement, and free online access may be available more frequently. Check the official service for current availability.

Protect your information while requesting it

Type the service address yourself or follow the CFPB’s link. Avoid an advertisement or unsolicited message that asks for payment to release a report. Complete identity verification only on the official service. Save the report securely; it contains account and identity information that should not be sent to someone offering informal help.

Review the file account by account

Check your identifying details, the accounts listed, balances and payment history against your own records. A report is a record used in lending decisions, while a score is a calculation based on report data. Do not assume a free report must include every score a lender could use.

For a fictional review, imagine your statement shows an account closed in June while one report still lists it as open. Note the reporting company, account identifier and exact field you question. Compare dated documents before concluding that a balance difference is an error; reporting dates can differ from the date you viewed the account.

Dispute a specific error with supporting records

CFPB guidance says correcting a reporting error generally involves contacting both the reporting company and the business that supplied the information. Explain the item, why you believe it is wrong and the correction requested. Send copies of supporting records and keep the originals. Save the submission confirmation and the response.

Avoid a generic request to remove all negative information. Identify the actual factual issue so the recipient can investigate it. Accurate negative information and an inaccurate account record are different problems.

Make the next review easier

Keep a private checklist of the files reviewed, the dates and any unresolved items. After a correction, check the relevant report again and retain the outcome. If an unfamiliar account suggests identity theft, use IdentityTheft.gov for a recovery plan. Checking a report is a useful habit, but it does not guarantee approval or a particular borrowing rate.