How to get a free copy of your credit reports in the US: Detailed guide

A good credit report is your ticket to financial flexibility.

In the complex financial world, transparency about your credit history is essential. Having access to your credit reports on a regular basis is not only a right, but also a key tool for making informed financial decisions.

In this article, we will offer a complete guide to guide you in the process of getting a free copy of your credit reports.

Where to request your Credit Report for free?


Visiting is the first step toward free access to your credit reports. This portal, available in English, allows you to request and review your reports online, providing unparalleled convenience.

Be careful! Imposters have similar links that will scam you, steal your identity, or both. To safe, click on this link rather than typing it yourself or trying to remember it.

By phone: Call (877) 322-8228

If you prefer telephone assistance, mark the number provided and follow the directions to get your credit report free of charge.

By post: Download and send the form

Download the annual credit report application form, complete and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

This form works for all three credit bureaus – Equifax, Experian, and TransUnion. You can request all three reports at once or space them throughout the year, maintaining constant monitoring of your credit history.

Check your credit reports online more often

When visiting, discover how to view your updated credit reports at no additional charge online. This approach gives you a detailed view of changes to your credit history, offering continuous control over your financial situation.

How to get free credit reports?

If you are in specific situations, you can request additional reports free of charge:

  • If your credit application, insurance or employment was rejected.
  • If you think there are inaccuracies due to fraud.
  • If you're unemployed and plan to look for a job in the next 60 days.
  • If you are a beneficiary of social assistance.
  • If your state's laws offer free credit reports.

This process ensures you have access to the information you need, empowering you to make informed financial decisions. Don't underestimate the power to know your credit history. Take advantage of your right and take control of your financial health.