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How to Receive a Free Credit Report Through AnnualCreditReport

Everyone in the United States is entitled to a free credit report every year from the three consumer credit reporting bureaus; Equifax, Experian, and Transunion. You may request your report from all three at the same time, or you can do it individually. Residents of certain States may be eligible for additional credit reporting tools. Please see your State's government website for available services if any.


You may request your credit report online at This service was enacted by the FACT Act of 2004.

The FACT Act (Fair Credit Reporting Act) was enacted in July 2004 and took effect December the same year. It was passed by the US Federal Government to allow people to protect themselves from identify theft by allowing them to view their credit report for free and report any discrepancies.

A credit report contains a comprehensive history of your credit information, including all inquiries. If you would like more information about credit reports and how your score is calculated, please read our article on what is in a FICO credit score.