Free Credit Reports: What Consumers Should Know
Checking your credit reports is the first step to improving your credit. Every consumer has the legal right to access their credit reports at no cost, and reviewing them regularly helps identify errors that may affect your score.
How to Get Your Free Credit Reports
Why Free Credit Reports Matter
Common Mistakes to Avoid
How We Use Your Credit Reports We review your credit reports to identify potential errors, negative items, and reporting issues that may be disputed under the Fair Credit Reporting Act (FCRA). Our process starts with education and transparency—so you understand what’s on your report and why it matters.
Consumer Tip You’re entitled to at least one free credit report from each bureau every 12 months, and additional free reports may be available due to federal programs or identity theft protections.
Important: Free Credit Reports Do Not Include Credit Scores
👉 Get Your Credit Evaluation Today
Checking your credit reports is the first step to improving your credit. Every consumer has the legal right to access their credit reports at no cost, and reviewing them regularly helps identify errors that may affect your score.
How to Get Your Free Credit Reports
- Federal law allows free credit reports from all three bureaus
- Available at AnnualCreditReport.com (the only official site)
- Reports can be requested online, by phone, or by mail
- No credit card or paid subscription is required
- Checking your report does not affect your credit score
Why Free Credit Reports Matter
- Identify inaccurate or outdated information
- Spot fraud or unauthorized accounts early
- Track changes after disputes or corrections
- Understand what’s impacting your credit score
Common Mistakes to Avoid
- Paying for “free” reports from unofficial sites
- Confusing credit reports with credit scores
- Ignoring reports because credit isn’t currently needed
- Assuming all reported information is accurate
How We Use Your Credit Reports We review your credit reports to identify potential errors, negative items, and reporting issues that may be disputed under the Fair Credit Reporting Act (FCRA). Our process starts with education and transparency—so you understand what’s on your report and why it matters.
Consumer Tip You’re entitled to at least one free credit report from each bureau every 12 months, and additional free reports may be available due to federal programs or identity theft protections.
Important: Free Credit Reports Do Not Include Credit Scores
- Free credit reports show your credit history, not your score
- Credit scores are calculated separately and usually cost extra
- No lender or credit bureau is required to include a score with free reports
- Many sites advertise “free credit” but charge for the score later
- Reviewing your report is still the most important step for credit repair
👉 Get Your Credit Evaluation Today