While many sites claim to be official, AnnualCreditReport.com is the website authorized by the federal government to provide the free credit reports you are entitled to by law.
You can currently get free weekly credit reports from the three major bureaus— Equifax , Experian , and TransUnion.
The Truth About "Government" Free Credit Scores You’ve likely seen the ads: "Check your free government credit score now!" But before you click, it is important to know that the federal government doesn’t actually have its own credit score website.
A common point of confusion is that your legally mandated free credit report typically include a credit score. Your report is the "ingredients," and the score is the "recipe" created by private companies like FICO or VantageScore. How to Get Your Actual Score for Free
: Complete the Annual Credit Report Request Form and mail it to the address provided on the form. Why Doesn't the Report Include a Score?
Even though the government doesn’t provide the score directly, many reputable financial institutions do.
Instead, federal law guarantees you access to your , which are the data files used to calculate those scores. Here is how to get what you are legally entitled to without falling for "free" trial scams. The Only Official Source: AnnualCreditReport.com
These reports list your credit cards, loans, payment history, and any debts in collection. How to order? Online : AnnualCreditReport.com Phone : Call 1-877-322-8228
