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Free Annual Credit Reports

Once a year, you can order a free credit report from each of the three major credit reporting companies: Equifax, Experian, and TransUnion.

To maximize your protection against fraudulent activity, you should order one report from a different company every four months.

The nation’s credit reporting agencies have teamed up and built a website that you can use to get your free credit report.

Caution:  Misspelling this site or using another site with similar words will take you to a site that will try to sell you something or collect your personal information.

You'll need to be prepared with your name, address, Social Security Number, and date of birth. You'll also need any prior addresses from the past few years. Finally, you'll be asked to disclose something that only you know (like the amount of a given payment, for example) as a security measure.