Credit Repair

Best Free Credit Reports

Because your credit report plays such a crucial role in your ability to be approved for a mortgage, apartment lease, car loan, credit card and other types of loans, it’s important to check it regularly to ensure that the information included in it is accurate.

While there are plenty of credit report providers to choose from, many come with monthly membership fees or may require a credit card to sign up for an account. We selected the following credit report providers based on the ease of signing up and accessing your credit report — for free.

AnnualCreditReport.com

The Fair Credit Reporting Act (FCRA) requires each of the three major credit bureaus — Experian, Equifax and TransUnion — to provide you with a free copy of your credit report every 12 months upon request. AnnualCreditReport.com allows you to access each of these reports for free in one centralized location, and is the only site authorized by federal law to do so.

You can request all three credit reports at once, or spread them out throughout the year. However, in response to the COVID-19 pandemic, you can now access your online credit reports for free on a weekly basis through April 2021.

Note, your free annual credit report does not include credit scores.

How to get your free credit report

You can request your free credit reports in three steps. First, enter your name, birthdate, Social Security number, current U.S. address and previous U.S. address (if you moved in the past two years).

Next, select which credit report or reports you are requesting.

You will then be prompted to confirm your request and identity by entering the last four digits of your Social Security number, as well as details about your financial history, such as which bank provided your previous car loan.

From there, you will be able to view and/or print your credit report.

You can also request your credit report by phone at 877-322-8228 or by downloading and mailing the completed request form to the following address:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your credit report will be mailed to you within 15 days.

Experian

Experian provides free access to your credit report — refreshed every 30 days — when you sign up for an account. This includes free credit monitoring and notifications when new inquiries, new accounts, public records, fraud alerts and personal information updates are detected on your Experian credit report. You can also submit and track disputes online if you see inaccuracies on your credit report for free.

Note, the free credit report does not include your FICO credit score; however, you can gain access to your score by upgrading your account. For example, Experian is currently running a seven-day trial that offers access to your free Experian credit report and FICO Score, credit alerts, FICO Score tracker and more for $1. Once the promotional period ends, you will be charged a monthly fee of $21.95 to continue the service. Know that many financial institutions and credit card issuers offer free credit scores, so you shouldn’t have to pay for them.

How to get your free credit report

You can receive free access to your credit report by signing up for an Experian account — which can be done without providing a credit card number. To create an account, enter your name and address here, as well as an email address and password.

Next, verify your identity by providing the last four digits of your Social Security number, birth date and phone number.

From there, you will be given 60 seconds to answer a series of questions about your financial history. You can complete your account setup by selecting a security question and four-digit PIN. Then, access your credit report by clicking on “Reports & Scores” from the top toolbar.

CreditWise from Capital One

CreditWise from Capital One offers free and unlimited access to your TransUnion credit report. The service also provides access to your VantageScore 3.0 credit score, dark web scanning, dual bureau credit alerts (Experian and TransUnion), Social Security number tracking and CreditWise’s simulator tool — which estimates how different financial decisions can potentially impact your credit score. You can use all of CreditWise’s features without hurting your credit score.

CreditWise is available to anyone — even if you aren’t a Capital One account holder. Just know, you must be over the age of 18 with a valid Social Security number that can be matched to a credit profile from TransUnion. You must also be a U.S. resident or a resident of Puerto Rico.

How to get your free credit report

If you are already a Capital One customer, you can use your Capital One credentials to sign in to CreditWise and access your credit report.

If you are not a Capital One customer, you must first enroll. You will be asked to provide information such as your name, birthdate, Social Security number, phone number and email address. You will then be prompted to confirm your identity and create an account.

Once you are signed in, select “Report” from the toolbar to view your TransUnion credit report.

Frequently asked questions

What is a credit report?

A credit report reflects your history of managing and repaying debt to help lenders determine your creditworthiness when deciding whether to grant you a loan or credit and at what interest rate. A credit report includes the following information: personal information, open and closed accounts (up to 10 years after the account is closed), your payment history with those accounts, hard inquiries (for up to two years) and bankruptcies or default judgments (for seven to 10 years).

Why should I check my credit report?

According to a study by the Federal Trade Commission, one in five people had an error on at least one of their credit reports. By checking your credit report on a regular basis, you can identify errors or signs of potential identity theft — which can negatively impact your ability to be approved for credit or a loan.

Can I access additional free credit reports?

You can get additional free reports if any of the following apply to you: you receive notice that you were denied credit, insurance or employment based on a credit report; you believe your file is inaccurate due to fraud; you have requested a credit report from a nationwide credit reporting company in connection with an initial fraud alert; you are unemployed and intent to apply for employment within 60 days; you receive public welfare assistance; or your state law provides for a free credit report. Plus, in response to the pandemic, you can access your credit reports from all three credit bureaus weekly until April 2021.

Can I purchase additional credit reports from the major credit bureaus?

Yes, you can purchase an additional copy of your credit report from each of the major credit bureaus at a charge of no more than $12.50 per credit report, by law.

 

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