Credit Report — Totally Free

By law, the only official website authorized by the federal government to provide truly free credit reports is . Where to Get Your Official Reports

: Complete the Annual Credit Report Request Form and mail it to the provided address. Popular Private Alternatives (Score + Report) Annual Credit Report.com - Home Page totally free credit report

You can request these through the following official channels: : Visit the official website directly. By law, the only official website authorized by

While many sites claim to offer free reports, they often include hidden fees or require a credit card for a "trial". You are entitled to a free report from each of the three major bureaus—, Experian , and TransUnion —every 12 months, though they have recently extended a program allowing free weekly reports online. While many sites claim to offer free reports,