How to Get Free Credit Report Online?

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Thanks to federal law passed in 2005, every US citizen is now eligible to receive one free credit report annually, upon request, from each credit bureau, Experian, Equifax, and TransUnion where you can check your credit report online.

Annual Credit is the only website authorized by the Federal trade commission to provide you with your free credit report annually from all three credit bureaus. It only takes a couple of minutes to view and print your free report so there isn’t any reason not to do so now.

Here’s how to get your free credit report online?

  1. Go to
  2. Identify your state of residence and click on it. Then enter your name, date of birth and social security number.
  3. Choose which credit bureau you want the report from – Experian, Equifax, TransUnion or all three.
  4. Now you will be directed to the individual credit bureau’s website.
  5. Create a special user name and password and answer 3 confidential questions to verify your identify
  6. Once you are finished come back to and follow instructions
  7. Your credit report will be viewable online immediately!

Alternatively, you can go to each individual credit bureau’s website listed below




Who else might be eligible for a free report?

Under federal law, you’re entitled to a free report

  1. if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.
  2. if you’re unemployed and plan to look for a job within 60 days;
  3. if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Otherwise, a consumer reporting company may charge you up to $11.00 for another copy of your report within a 12-month period – via FTC

In order to better manage your finances, it’s advisable to monitor your credit report on a regular basis, preferably every 3 to 6 months. But keep in mind that this free credit report is NOT your credit score or FICO score that creditors or lenders used to gauge your creditworthiness.

Your credit report is only a rundown of your personal information, credit accounts, current obligations, credit inquiries and your payment history that determines your credit score.

Although you’re legally entitled to receive a free copy of your credit report annually from any of the 3 credit reporting bureaus, this free report will not reveal your actual credit score. To view the actual score that the lenders are seeing, get your score (plus 3 in 1 credit report) from Free Score Finder for a free trial.

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