Free-and-credit-report Apr 2026
AnnualCreditReport.com is the only federally authorized website for free reports.
Federal law mandates that the three major credit bureaus—, Experian , and TransUnion —provide free reports. free-and-credit-report
Name, addresses (current and past), and Social Security number. AnnualCreditReport
Monitoring your report allows you to catch and dispute errors such as incorrect account balances or accounts you never opened. Monitoring your report allows you to catch and
You can also request reports by calling 1-877-322-8228 or by mailing a request form to the Annual Credit Report Request Service .
If you find an error, you should contact both the credit bureau and the company that provided the information. Under the FTC’s guidelines , bureaus are generally required to investigate and respond to disputes within 30 days. Annual Credit Report.com - Home Page
Understanding your report helps you take steps to improve your score , such as paying down balances or correcting late payment marks. How to Access Your Free Reports