Free Credit Reports <2026>

Currently, all three bureaus offer free weekly reports online through AnnualCreditReport.com .

Be wary of other sites with similar names that may charge fees or require "free trials". Request methods: Online: Visit AnnualCreditReport.com for immediate access. Phone: Call 1-877-322-8228 . free credit reports

Federal law guarantees at least one free report from each bureau every 12 months. Currently, all three bureaus offer free weekly reports

Many experts suggest rotating your requests (e.g., one bureau every four months) to monitor your credit year-round. Free Credit Reports - FTC Consumer Advice free credit reports