By: Bill Waters - Staff Writer
Published: May 21, 2021

How do I get a free annual credit report?

How do I get a free annual credit report? You have the right to order your report each year, for free, as a consumer. You should always check it annually.

The three nationwide credit reporting agencies are Experian, Equifax, and TransUnion. These three companies allow consumers to sign-up online to view or dispute their report. You are allowed to check it for free each year.

When signing up with one of the agencies, they will ask you a lot of personal information. For example, they usually ask multiple choice questions about your past loans, or an address where you used to live. If you answer wrong, then they will provide a phone number for you to call.

The credit reporting agencies do this to protect your identity. These three companies also have optional services that you can buy to monitor your score and alert you when someone reads your report. You can also order a report on all three agencies at the same time.


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