AnnualCreditReport.com
The only website officially authorized under federal law (the FCRA and the FACT Act) to provide free credit reports from Experian, TransUnion, and Equifax. Consumers are entitled to one free report from each bureau weekly. Do not confuse with other websites that claim to offer free credit reports.
Related guides
- Full credit & FICO® glossary
Browse all defined terms by category.
- Credit Report
A detailed record of your credit history maintained by each of the three major credit bureaus (Experian, TransUnion, Equifax). Contains personal information, account history, payment records, public records, and credit inquiries.
- Credit Bureau
A company that collects and maintains credit information about consumers and provides credit reports to lenders, creditors, and consumers. The three major US credit bureaus are Experian, TransUnion, and Equifax. Also called Consumer Reporting Agencies (CRAs) under the Fair Credit Reporting Act.
Frequently Asked Questions About AnnualCreditReport.com
What does AnnualCreditReport.com mean?
The only website officially authorized under federal law (the FCRA and the FACT Act) to provide free credit reports from Experian, TransUnion, and Equifax. Consumers are entitled to one free report from each bureau weekly. Do not confuse with other websites that claim to offer free credit reports.
Is AnnualCreditReport.com important for my FICO® score?
Understanding AnnualCreditReport.com helps you manage your credit profile more effectively, which in turn supports a stronger FICO® score.