How Get Your Free Credit Report

Get a Free Credit Report Each Year

Credit report overview
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Your credit report is one of the most important factors of your financial life. It contains a detailed history of your credit accounts including the date you opened the account, the current balance, and the payment history for the account.

Because so many businesses use your credit report to make decisions about you, it's important that you check your credit report at least once a year to be sure the information in your credit report is accurate.

Each of the major credit bureaus (the companies who compile your credit report) offers your credit report for sale, but there are instances that you can get a free credit report from each of the credit bureaus.

Once a Year Through AnnualCreditReport.com

The Fair and Accurate Credit Transactions Act of 2003 (FACTA) made it possible for you to get a free credit report. Through FACTA you can get a free copy of your credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—each year. You should take advantage of this ability by ordering your credit report and using it to monitor your credit history.

There are specific ways to get a free annual credit report that's allowed under the FACTA.

  • Online, by visiting .
  • By phone, by calling 877-322-8228.
  • By mail, by printing a (Adobe viewer required) and mailing it to the address listed on the form.

    Don't contact the credit bureaus directly for your free annual credit report.

    Ordering Your Free FCRA Credit Report

    The Fair Credit Reporting Act gives you the right to a free credit report in certain circumstances. This is in addition to your free annual credit report. These circumstances include:

    • You had an application denied because of information on your credit report. This includes credit, insurance, and employment applications. You have 60 days from the date you learn of the denial to ask for a free copy of your credit report. The company will send you a notice that includes contact information for the credit bureau who provided the report used in making the decision.
    • You are unemployed and plan to begin looking for a job within 60 days.
    • You are on welfare.
    • You are a victim of identity theft and have inaccurate information on your credit report.

    State Free Credit Report Laws

    Some states have laws that allow you to get a free credit report in addition to the free annual credit report you're entitled to by Federal law.

    StateCostFrequency
    ColoradoFree, then $8One free per year
    GeorgiaFree, then $11.50Two free per year
    MaineFree, then $5One free per 12 months
    MarylandFree, then $5One free per 12 months
    MassachusettsFree, then $8One free per year
    New JerseyFree, then $8One free per 12 months
    Puerto RicoFree, then $11.50One free per 12 months
    VermontFree, then $7.50One free per 12 months

    The following states have reduced prices for credit reports.

    • California - $8
    • Connecticut - $5 for the first credit report each year, then $7.50.
    • Minnesota - $3 for the first credit report each year, then $11.50;
    • Montana - $8.50
    • Virgin Islands - $1

    You should order your free FCRA credit report or your free state credit report directly through the credit bureaus:

    •  or call 1-866-200-6020

    Get a Free Credit Report With No Subscription or Credit Card

    Several websites now offer at least one free credit report.

    These sites make money through advertising so they can afford to offer you a credit report for free. Register with these sites to get a copy of your free credit report:

    • CreditSesame.com

    These sites do not require you to enter a credit card number or enroll in a trial subscription to get your free credit report.

    Free Credit Education

    Put some time into understanding how credit works and how your credit scores will be impacted by your actions—late payments, opening a new line of credit. 

    Fair Isaac Tools—creators of the FICO credit score—have several tools that can help you understand credit scores, including a free  and a .

    Free Credit Monitoring

    There are several companies—CreditKarma, CreditSesame—which offer free credit monitoring.

    Carefully watching your credit score can be helpful if you are actively working to improve your credit score or are nervous about identify theft

    Sometimes companies will offer you a year or several years of free credit monitoring when your credit information has been compromised due to a breach of their data storage system. 

    Be Wary of Certain Free Credit Offers

    Beware of sites that offer a free or discounted credit report, but request that you enter your credit card number to sign up for a free trial. These sites typically enroll you in a trial subscription to a credit monitoring service and begin charging you monthly if you don't cancel the subscription before the trial period ends.