Free Credit Reports

free credit reports

Federal law makes it so you may obtain free credit reports, once a year. is the easiest site for obtaining your credit reports. ACR is simple and straightforward, and will pace you through to each of the big 3 credit reporting agencies, to collect each record.

There are other websites and companies that may offer something similar, but most of them are looking to make a buck. They may sell your personal info, or start sending you spam. has a pretty decent privacy policy, and does not exploit your PII. They’ve never spammed me. I always start there.

But not everyone is comfortable requesting this kind of info over the internet. Or you may encounter an error requesting a particular report. If that’s the case, there are other options. You can mail in a form to obtain your credit reports, or you can call 1-877-322-8228.

PS: I should mention that “once a year” is the norm for free credit reports, but there are some exceptions right now:

  • For the rest of 2023, you can request your credit reports up to once a week
  • Through 2026, Equifax will give you an extra six free credit reports per year (in addition to the normal free one)

PPS: I am amazed to learn that you can also get your reports in Braille, Large-Print and Audio format! If you need one of those options, check out this page at for instructions.


  1. glenna casto

    Im concerned about putting my ss no “out there” Should I be ????

    • Jesse Mueller

      Yes, that should always be a concern! But I can vouch for this website, it is legitimate and will not abuse your identity or private personal information.

      But you don’t have to take my word for it, here’s the federal government’s statement about the website:

      And if you still don’t care to type your SSN on the web, you can always pursue your credit reports by calling or mailing (also shown on that link). Whatever you’re comfortable with!

      • glenna casto

        Thanks so much !!!

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