This guide outlines how to access your free credit reports and clarifies the difference between a credit and a credit score . 1. Official Source for Free Reports

: Federal law guarantees you a free copy of your credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) every 12 months.

: As of early 2026, you can access these reports weekly for free to help manage financial health. Contact Options : Online : AnnualCreditReport.com Phone : Call 1-877-322-8228

is the only government-authorized website for free credit reports.

: Complete the Annual Credit Report Request Form and mail it to the address provided on the form. 2. Credit Report vs. Credit Score How do I get a free copy of my credit reports?