: Residents in the U.S. can get up to six additional free Equifax reports per year through 2026. What is Included vs. Not Included
By law, there is only one authorized source for the free annual credit reports you are entitled to:
: This is the official website mandated by federal law to provide free reports from the three nationwide bureaus: Equifax, Experian, and TransUnion. free-report-credit
: A detailed history of your credit accounts, payment history, and public records (like bankruptcies).
A "free-report-credit" typically refers to your legal right to access a copy of your credit history from major credit bureaus without paying a fee. Under federal law in the United States, consumers are entitled to these reports to monitor for identity theft and ensure the accuracy of their financial data. : Residents in the U
: Avoid sites that use "free" in their name but ask for credit card information or offer "free" monitoring that turns into a paid subscription.
: The official AnnualCreditReport.com service will never email or call you to ask for your Social Security number or account details. Not Included By law, there is only one
: The three bureaus currently offer free weekly online credit reports via AnnualCreditReport.com.