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How to Get Your Free Credit Report
Federal law entitles every American to a free credit report from each of the three major bureaus weekly — accessed only through the official AnnualCreditReport.com website.
The Only Official Free Source
AnnualCreditReport.com is the only website authorized by federal law to provide these free reports — other sites offering "free" reports often require a paid subscription after a trial period.
What Your Report Includes
| Section | What It Shows |
|---|---|
| Account information | Every credit account, balance, payment history |
| Public records | Bankruptcies and similar legal records |
| Inquiries | Who has accessed your credit report |
Note: Report vs. Score
Your free credit report doesn't automatically include your credit score — reports show your detailed history, while scores are calculated separately and sometimes cost extra or are available through other free sources like your bank.
Common Mistakes
Using non-official "free credit report" sites that require credit card information for a trial that converts to a paid subscription — stick to AnnualCreditReport.com for genuinely free reports.
Frequently Asked Questions
AnnualCreditReport.com is the only website authorized by federal law to provide free reports — be cautious of other sites claiming to be free that require payment information.
Not automatically — the report shows your detailed credit history, while your score is calculated separately and often available for free through your bank or credit card issuer.