How often can you get free credit reports?

Every week. The three bureaus made free weekly online credit reports permanent in 2023, on top of the free annual report the law has long required. You can pull your Experian, TransUnion, and Equifax reports at no cost, as often as weekly, and checking your own reports never harms your credit.

The only authorized source

Reports are free at AnnualCreditReport.com, the only website the federal government authorizes for this. Lookalike sites with “free” in the name commonly funnel you into paid monitoring subscriptions. If a site asks for a card before showing a report, you are in the wrong place. The step by step walkthrough is in the free reports guide.

A rhythm that works

Pull all three at the start of a cleanup, so disputes go to every bureau listing the error. During an active cleanup, check the bureau you disputed with after its deadline passes. After that, a monthly or quarterly pull catches new problems early, still free.

Common questions

Is it really unlimited weekly?

The bureaus committed to weekly online reports permanently in 2023. Additional free reports also apply in specific situations, such as after a fraud alert or an adverse decision based on your report.

Do the free reports include scores?

No. The free reports show the underlying data, which is what disputes are based on. Scores are a separate product, and you do not need a score to fix a report.

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