You’re entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting You can also create a myEquifax account to get six free Equifax credit reports each year.

Why can’t I get my online credit report?

The most common reasons for being unable to access your credit reports online is being unable to remember key pieces of information. The other issue may be that the address you entered when requesting the report does not match the address the credit bureau has on file.

Who runs AnnualCreditReport?

AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.

How can I get my credit report for free?

If you’re not the internet type, there are two other ways to request your free annual credit report: By phone – To request that your report be mailed to you by phone, call 1-877-322-8228 and ask for a copy of your report from each of the three reporting agencies.

How can I get a copy of my credit report?

By phone – To request that your report be mailed to you by phone, call 1-877-322-8228 and ask for a copy of your report from each of the three reporting agencies. You will go through a simple verification process over the phone, similar to the online process, and should receive a copy of your report within 2 to 3 weeks of your request.

How do I get my annual credit report?

By mail using the Annual Credit Report Request Form — it’ll be processed and mailed to you within 15 days of receipt of your request. It may take longer to get your report if the credit bureau needs more information to verify your identity. Can I get my report in Braille, large print, or audio format?

How much does it cost to get a credit report?

Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $12.50 for a credit report.