Getting your credit reports - Annual Credit Report.com. (2024)

FAQs

Is AnnualCreditReport.com a legitimate site? ›

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

Don't be fooled by look-alikes. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com.

No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion).

Avoid Other Sites Offering Free Credit Reports

You might see companies and sites offering free credit reports, but there's only one authorized place to get the free annual credit reports you're entitled to by law: AnnualCreditReport.com.

No, checking your credit report does not hurt your credit. And checking your credit score doesn't hurt your credit either. These actions are considered “soft pulls” which don't affect your credit score.

FICO says scores of 580 to 669 are considered "fair" and 740 to 799 are considered "very good." Anything at 800 or above is considered "exceptional." FICO comes from Fair Isaac Corp., the company that first developed a credit scoring system.

While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores. And credit card lenders can use the FICO Bankcard Scores.

Use a credit score service or free credit scoring site.

You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com. You can also create a myEquifax account to get six free Equifax credit reports each year.

Which credit report is most accurate? ›

Simply put, there is no “more accurate” score when it comes down to receiving your score from the major credit bureaus.

Many people are afraid to request a copy of their credit reports – or check their credit scores – out of concern it may negatively impact their credit scores. Good news: Credit scores aren't impacted by checking your own credit reports or credit scores.

Is AnnualCreditReport.com safe? AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site. Double-check the URL when you type it, to be sure you have not made a typo.

Poor: 300-579. Fair: 580-669. Good: 670-739. Very Good: 740-799. Exceptional: 800-850.

You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .

Equifax, Experian, and TransUnion are the top three credit bureaus in the U.S. They are private businesses that collect and sell data on the spending and borrowing habits of individual consumers.

Your credit scores are calculated based on the information in your credit history. This means it's important to review your. You can view and request your credit reports weekly, at no cost to you, at www.AnnualCreditReport.com . Errors on your credit reports can reduce your scores unnecessarily.

Thanks to a new federal law, consumers can get one free credit report a year from each of the three national credit bureaus. Those bureaus are Equifax, Experian, and TransUnion.