The three national credit reporting agencies — Equifax, Experian, and TransUnion — have extended until December 31, 2023 a program that lets you check your credit report at each of the agencies once a week for free.
Visit AnnualCreditReport.com to request free copies of your credit reports. Other sites may charge you or be fraudulent sites set up to steal your personal information.
By law, everyone is entitled to one free credit report every twelve months from each of the three credit reporting agencies. In 2020, soon after the COVID-19 pandemic upended the finances of millions of people, the three agencies announced they would temporarily make free reports available every week. The program subsequently was extended through the end of 2023.
Why check your credit report? Your report shows things like how many credit cards and loans you have, whether you pay your bills on time, and whether any debts have been turned over to collections. Creditors, insurers, some employers, and other businesses use it to decide if they want to do business with you — and the terms they’ll offer you.
Mistakes, like accounts or bankruptcies that aren’t yours, can hurt your credit, increase how much you’ll have to pay to borrow money, and even derail your chances of getting a loan, insurance, a rental home, or a job. Mistakes can result from errors by businesses that report credit information to credit reporting agencies. They also can be a sign of identity theft. The sooner you spot a mistake, the sooner you can dispute the error or — if it results from identity theft — report it at IdentityTheft.gov.
To learn more about why your credit matters, read Understanding Your Credit.
Updated May 2, 2022 to reflect the extension of weekly free credit reports through December 2022. Updated September 23, 2022 to reflect the extension of weekly free credit reports through December 2023.
It is your choice whether to submit a comment. If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments. Comments and user names are part of the Federal Trade Commission’s (FTC) public records system, and user names also are part of the FTC’s computer user records system. We may routinely use these records as described in the FTC’s Privacy Act system notices. For more information on how the FTC handles information that we collect, please read our privacy policy.
The purpose of this blog and its comments section is to inform readers about Federal Trade Commission activity, and share information to help them avoid, report, and recover from fraud, scams, and bad business practices. Your thoughts, ideas, and concerns are welcome, and we encourage comments. But keep in mind, this is a moderated blog. We review all comments before they are posted, and we won’t post comments that don’t comply with our commenting policy. We expect commenters to treat each other and the blog writers with respect.
We don't edit comments to remove objectionable content, so please ensure that your comment contains none of the above. The comments posted on this blog become part of the public domain. To protect your privacy and the privacy of other people, please do not include personal information. Opinions in comments that appear in this blog belong to the individuals who expressed them. They do not belong to or represent views of the Federal Trade Commission.
In reply to At what date will the credit by Consumer
The three credit reporting companies have extended the offer of free weekly credit reports past April 2021. Go to www.annualcreditreport.com to get your reports.
In reply to The three credit reporting by FTC Staff
In reply to Fraudulent activity is being by suzette
You can report that to www.IdentityTheft.com. There is a link for Unemployment Insurance Identity Theft on the home page of the website that takes you directly to the reporting page.
In reply to I have tried for over 5 years by crobbins26
You can submit a complaint about a credit reporting company to the Consumer Financial Protection Bureau. It takes complaints about financial products and services.
In reply to How to fix a error which by Karthik
Find out how to fix the error in this FTC article: Disputing Errors on Credit Reports.
In reply to Can't retrieve my credit by Pedsnurse06
You can report a problem with a financial product or service to the Consumer Financial Protection Bureau.
Pagination