Free Online Credit Reports May 2026

: Complete the Annual Credit Report Request Form and mail it to:

Under federal law, you are entitled to a free copy of your credit report from each of the three major nationwide bureaus—, Experian , and TransUnion —every 12 months. Currently, a program initiated during the COVID-19 pandemic has been made permanent, allowing you to access these reports for free once a week . Official Source for Free Reports free online credit reports

Beyond the weekly online access, you may be entitled to additional free reports if: : Complete the Annual Credit Report Request Form

You receive a notice that you were , insurance, or employment based on your report (request must be made within 60 days). specifically offers U

specifically offers U.S. consumers six additional free reports per year through 2026. Important Considerations Free Credit Reports - FTC Consumer Advice

is the only official website authorized by the federal government to provide these free reports. Alternative methods to order include:

Annual Credit Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281 Special Eligibility for Additional Free Reports