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3 Free Credit Reports Per Year: How to Get Free Copies

The three free credit reports consumers may request per year provide important information and a means to help consumers protect against identity fraud. The information contained is invaluable.

by Sandy Baker | May 8, 2013

As a consumer, you may request a free copy of your credit report from each of the three national credit bureaus every twelve months. Accessing and reviewing your credit reports from each of the three bureaus annually helps you ensure the accuracy of the information. It also allows you to monitor your account history to protect against identity theft.

Obtaining Your Credit Report

To find out how to get your annual credit report from each bureau, visit This site helps consumers obtain their free credit reports as required by

the Fair and Accurate Credit Transactions Act (FACT Act). To request your free credit reports on-line at the site, you will need to provide specific information, including your name, social security number and address. You will then be asked to select which of the credit bureaus you want to obtain your report from:

• TransUnion

• Experian

• Equifax

You will also be required to answer a set of questions to verify your identity. The information contained in these questions comes directly from your credit reports.

You can obtain a credit report from each of these agencies without charge one time per 12-month period. To create ongoing protection for yourself, consider obtaining one report every four months. This ensures you can consistently monitor your accounts.

Category: Credit

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