Get your free credit reports, and actually read them
Every American can check their reports from all three bureaus for free, every week. Here's how to get them and what to look for in each section.
Three ways to request your reports
1-877-322-8228
Reports are mailed to you after identity verification.
Request form
Download the request form from AnnualCreditReport.com and mail it to the address listed.
Look-alike sites may try to sell you something. Type the address yourself. The official site never asks for a credit card to see your free reports.
What's in each section
| Section | What it shows | What to check |
|---|---|---|
| Personal information | Names, addresses, Social Security number, employers | Addresses or names you've never used can signal identity theft |
| Accounts | Cards, loans, mortgages with balances, limits and payment history | Accounts you didn't open, wrong balances, late payments you didn't make |
| Collections | Debts sent to collectors | Debts that aren't yours, duplicates, paid items still showing as unpaid |
| Public records | Bankruptcies | Correct dates and chapter |
| Inquiries | Who has checked your credit | Hard inquiries for credit you didn't apply for |
Common errors to look for
- Mixed filesAccounts belonging to someone with a similar name or number.
- Wrong payment statusA payment marked late that you made on time.
- Outdated negativesMost negative items must drop off after seven years.
- Duplicate debtsThe same debt listed by both the original creditor and a collector as owed.
- Wrong credit limitsA limit reported too low makes your utilization look higher.
Found something? Follow our step-by-step dispute guide, or see the dispute letter on our credit page.
Where to see your score for free
Your reports don't include a score. Many banks and card issuers show a free FICO or VantageScore in their apps or on monthly statements. Scores vary by model and bureau, so compare the same score over time.
If you spot identity theft
Report it at IdentityTheft.gov
You'll get a personalized recovery plan and a report you can use with creditors.
Place a fraud alert or freeze
A freeze is free and blocks most new-account fraud. Freeze at all three bureaus.
Dispute the fraudulent items
With the bureaus and with the companies that opened the accounts.
Frequently asked questions
Does checking my credit report hurt my score?
No. Checking your own reports is a soft inquiry and never affects your score.
How often can I get free reports?
Every week from each of the three nationwide bureaus through AnnualCreditReport.com.
Why are my three reports different?
Not every lender reports to all three bureaus, and they may report on different days. That's why it's worth checking all three.
Sources
This article is general education, not financial, legal or tax advice. Rules and rates change; check the source or a qualified professional before making decisions.
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