Where Can I Get My Free Credit Reports?

The government enforces a law that requires the three major credit bureaus to send you a full credit report by request every year. Without having to sign up for anything, you can request one free credit report from Experian, Equifax, and TransUnion every 12 months. 

If you are rejected from a credit application or job offer, or have your identity stolen, you can obtain additional free credit reports from the three main bureaus as well. 

These free and full reports are easiest to obtain online by going to

This site is the only government authorized website from which you can directly download your full length, free credit reports. 

You can also get these through the mail by calling 1-877-322-8228. In either case, you will be required to prove your identity by confirming your name, social security number, address, and date of birth. 

You can also get free credit reports (that are not completely full versions) from credit monitoring services such as Credit Karma and Discover Credit Scoreboard. Credit Karma provides TransUnion credit reports while Discover Credit gives you Experian reports.

Neither site requires you to make any financial or trial basis commitments or to link a credit card in order to use their legitimately free services. 

You can obtain these reports as often as you like with either service.