There are 3 national credit reporting agencies: Equifax, Experian, and Transunion. You have the right to get free copies of your credit report from each of these three bureaus once every 12 months, except:
- At least until April 2022, during the pandemic, you can get a free credit report each week from all three national credit bureaus (Equifax, Experian, and TransUnion) at AnnualCreditReport.com.
- Until the end of 2026 you. can get another six free Equifax credit reports per by visiting the Equifax website or by calling 1-866-349-5191.
- You can get a report when you have been recently hurt by your credit report. (See below.)
When the annual limits are in effect, if you want to keep a close eye on the accuracy and completeness of your reports, you can stagger the requests among the 3 agencies throughout the year. To get these free reports, simply visit AnnualCreditReport.com or call 1-877-322-8228. Once you receive your credit report, review all personal information, accounts, and inquiries to see if they are accurate. It is vital that you regularly review your credit report to spot errors, fraud, or identity theft should they occur.
You are also entitled to another free report each year if:
you’re unemployed and plan to look for a job within 60 days
you’re on welfare
your report is inaccurate because of fraud, including identity theft.