: Federal law guarantees you a free copy of your credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) every 12 months.
This guide outlines how to access your free credit reports and clarifies the difference between a credit and a credit score . 1. Official Source for Free Reports
is the only government-authorized website for free credit reports.
: As of early 2026, you can access these reports weekly for free to help manage financial health. Contact Options : Online : AnnualCreditReport.com Phone : Call 1-877-322-8228
: Complete the Annual Credit Report Request Form and mail it to the address provided on the form. 2. Credit Report vs. Credit Score How do I get a free copy of my credit reports?