Learn about your credit report and how to get a copy

By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies, also called bureaus, are: 

• Equifax
• Experian
• TransUnion

AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. You may request your reports in three main ways:

• Visit AnnualCreditReport.com
• Call 1-877-322-8228 (TTY: 1-800-821-7232)
• Fill out the Annual Credit Report request form and mail it to:
  • Annual Credit Report Request Service
    PO Box 105281
    Atlanta, GA 30348-5281

Credit reports show your personal financial information, including:

• Bill payment history
• Loans
• Current debt
• Bankruptcy history
• Lawsuit records

In most cases, your credit report will not include your credit score.

Find out how to get your credit score.

Credit bureaus can sell the information on your credit report to:

• Lenders
• Potential employers
• Insurance companies
• Rental property owners

These businesses may use the information on your credit report to decide if you qualify for:

• Credit
• Loans
• Rental property leases
• Employment
• Insurance

Find out how to report identity theft at the three credit bureaus if your information gets stolen.

If a credit reporting agency denied your request for a credit report, contact them first to resolve the issue. 

If you cannot get your complaint resolved, contact the Consumer Financial Protection Bureau (CFPB).