Annual Credit Report is a tool for consumers seeking to monitor and manage their credit health.

What is is the only website authorized by federal law to provide consumers with free credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. This website was established as part of the Fair and Accurate Credit Transactions Act (FACTA) to promote transparency and empower consumers to monitor their credit information.

How Works allows consumers to access their credit reports from each of the three credit bureaus once every 12 months.

These reports provide detailed information about an individual’s credit history, including accounts, payment history, credit inquiries, and public records.

By reviewing their credit reports regularly, you can:

  1. Monitor for Errors: Check for inaccuracies or fraudulent activity on their credit reports and take steps to correct any errors.
  2. Track Financial Health: Assess their creditworthiness and identify areas for improvement to maintain or improve their credit score.
  3. Detect Identity Theft: Detect signs of identity theft or unauthorized accounts opened in their name and take appropriate action to mitigate risks.

Steps to Access Your Free Credit Reports

  1. Visit Navigate to the official website,, to begin the process.
  2. Verify Your Identity: To verify your identity, provide personal information, including your name, address, date of birth, and Social Security number.
  3. Select a Credit Bureau: Choose which credit bureau’s report you want to access first. You can select one bureau at a time or view reports from all three bureaus.
  4. Review Your Report: Carefully review the information on your credit report, paying close attention to details such as account balances, payment history, and personal information.
  5. Dispute Errors: If you identify any inaccuracies or discrepancies in your report, use the online dispute process to address and correct them.
  6. Repeat for Other Bureaus: After reviewing one credit bureau’s report, repeat the process to access reports from the other two bureaus.
  7. Set Reminders: Schedule regular reminders to check your credit reports annually or as needed to stay informed about your credit status.

This website allows you to access free credit reports to protect against fraud and identity theft.

Remember to review your credit reports regularly and take action to address any discrepancies promptly.