Monitoring Your Credit

Under federal law, consumers are entitled to one free credit report each year from each of the three major credit reporting agencies. Free reports are available through This site is the only site authorized by Federal law to provide consumers with free annual credit reports from all three credit bureaus. — Experian, Equifax and TransUnion.

There are three ways to obtain your free annual credit report:

  1. Visit and follow the steps on the site to order your credit reports. You can order all three annual credit reports at one time or you can space them out over the year.
  2. Call 877.322.8228.
  3. Complete the Annual Credit Report Request at Mail the form to the address listed on the form.

Federal law only requires that you be provided with a free report from each of the credit reporting agencies. These reports typically do not include your credit score. Credit scores can be obtained online or by phone for a minimal cost.