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Life in the US

How do I get my free credit reports?

The Federal Trade Commission says the free credit reports required by law are ordered at AnnualCreditReport.com. Other sites that advertise a free score may attach extra conditions. How often you can order a report is stated on those official pages, not here.

What to do next

  1. Read the FTC article on free credit reports so you can tell the official offer from a look-alike.
  2. Order the reports at AnnualCreditReport.com.
  3. The report is the file. A score is a separate number. The CFPB explains that split. No score is quoted on this page.

Source: Federal Trade Commission (opens in a new tab) · Checked:

Related sections: Credit cards and scores

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