Free Credit Reports and Score

Credit Reports

Track Your Credit History and Score for Free

How to Get Annual Credit Reports and a Credit Score for FREE

The law requires each of the major nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to give you a free copy of your credit report every year if you ask for it. In addition, some websites such as Credit Karma will provide your Experian credit score for free.

  • Free Credit Reports

    Visit or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

  • Free Experian Credit Score

    Please note that your free yearly credit reports WILL NOT contain your credit score. You may obtain a free Experian credit score through the web site Credit Karma,