While you can purchase a credit report online directly from the three major credit bureaus, federal law provides a primary way to access them for free. is the only official website authorized by the federal government to provide free credit reports from Equifax , Experian , and TransUnion . 1. How to Get Your Free Report Online
: You may also qualify for extra free reports if you were denied credit, are unemployed and looking for work, receive public assistance, or believe you are a victim of fraud. 2. When and Where to Buy a Credit Report buy credit report online
Under the Fair Credit Reporting Act (FCRA), every U.S. resident is entitled to a free credit report from each of the three bureaus once every 12 months. However, this has been expanded: While you can purchase a credit report online
: You can currently check your credit report from all three bureaus once a week for free by visiting AnnualCreditReport.com. How to Get Your Free Report Online :
If you have already exhausted your free options or need a specialized report (such as one that includes a specific credit score), you can purchase them directly from the bureaus: 3-Bureau Credit Report and FICO Scores - Experian