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Sites offering FREE credit reports
> Free Credit Report from
> Free Credit History and Score from Consumer Info
NOTE: Free reports are brief and are usually from only one Credit Bureau.

Paid Reports
> Equifax 3-in-1 Credit Report
> Full Credit History from ALL three credit bureaus in one place.

Credit Repair & Debt Counseling
> Debt Consolidation

Personal Loans
> Personal Loan Site

Information provided by Credit Report Providers

Federal Trade Commission File a Complaint with the FTC En Espanol FTC's Privacy Poilicy Search the entire FTC website
      Free Annual Credit Reports
 Official seal of the Federal Trade Commission Important information from the Federal Trade Commission, the nation’s consumer protection agency: is the ONLY authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer "free" credit reports, but may charge you for another product if you accept a "free" report.

A recent amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. But there’s only one online source authorized to do so. That’s Beware of other sites that may look and sound similar.

The Federal Trade Commission (FTC) advises consumers who order their free annual credit reports online to be sure to correctly spell, or link to it from the FTC’s website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not

required to make a purchase to receive their free annual credit reports.

The FTC has received complaints from consumers who thought they were ordering their free annual credit report online. Some consumers responded to TV ads, email offers, or simply searched online.

The FTC recently settled a lawsuit against – which did business as Experian Consumer Direct – over the “free credit report” promotion it advertised on television, radio and the Internet, including its websites and If you ordered a free credit report from Consumerinfo between November 1, 2000 and September 15, 2003, and were enrolled in its credit monitoring program, you may be eligible for a refund under the FTC’s settlement.

Consumer Information Want a Free Annual Credit Report?
The Only Official Website is
[PDF] (en español)

Information for Customers
Your Access to Free Credit Reports [PDF] (en español)

Fake Credit Reports: Cashing in on Your Personal Information [PDF]

Trial Offers: The Deal Is in the Details [PDF]

Ordering Your Free Annual Credit Report The three nationwide consumer reporting companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, click on, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Do not contact the three nationwide consumer reporting companies individually. They are only providing free annual credit reports through, 877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

For the Media

Press Releases

Marketer of “Free Credit Reports” Settles FTC Charges
“Free” Reports Tied to Purchase of Other Products;Company to Provide Refunds to Consumers

Free Credit Report Rollout Begins Wednesday
Consumers in 13 Western States May Request Free Annual Reports Beginning December 1

Credit Bureaus Announce How Consumers Can Access Free Credit Reports

Risks of Credit Report Scams Topic of FTC Consumer Alert

Radio PSAs
"free credit report"
"free credit score"
"free credit check"
"one free credit report"
"free credit report online"
"free credit monitoring"
"free credit rating"
"free credit history"

If you used terms like these in an online search engine to find out about your right to a free annual credit report, you may have unintentionally ended up on a site that charged a fee for its products or services.

File a Complaint
The FTC wants to hear from you if you paid for what you thought was your free annual credit report.

The FTC also wants you to forward us any unsolicited emails you’ve received offering you a free annual credit report. Send them to
will NEVER send you an email solicitation for your free annual credit report, or use pop up ads.