: Avoid sites that ask for credit card information or use terms like "free" but require a subscription for credit monitoring.

: You are entitled to additional free reports if you are unemployed and looking for work, receive public assistance, or have reason to believe your file contains inaccuracies due to fraud. Avoiding Scams

: Call 1-877-322-8228 to have reports mailed to you within 15 days.

: AnnualCreditReport.com is the only website authorized by the Federal Trade Commission (FTC) for these mandated free reports.

: Complete the official Annual Credit Report Request Form and mail it to the centralized processing service in Atlanta. Frequency and Availability

: Residents in the U.S. can get six additional free reports per year from Equifax through 2026.

: Get immediate access to your reports from Equifax, Experian, and TransUnion at AnnualCreditReport.com.

: While federal law requires one free report per year from each bureau, the three major bureaus currently allow you to check your reports once a week for free online.