FREE Credit Report

Get a FREE Copy of Your Credit Report

The law entitles you to 1 FREE copy of your credit report from Transunion, Experian & Equifax every 12 months. You can visit AnnualCreditReport.com or call 1-877-322-8228 to get a FREE Copy of your credit report.

Did You Know?

Your Credit Report contains details about your credit history that is reported to Equifax, TransUnion and Experian by lenders that have extended credit to you. However, when you order a Free Credit Report, it does not include your Credit Score. When you apply for a mortgage, a lender usually buys a copy of your FICO Score.

Lenders use your FICO Score, also known as your credit score, as a guide to future risk based on your credit report data. Your FICO Score can range from 300-850. Typically, the higher your score, the lower the risk. Many mortgage companies use your FICO score to qualify you for a mortgage, however, they often also use other criteria such as your income, debt and assets.

Federal law allows you to:

  • Get a free copy of your credit report very 12 months from each credit reporting company.
  • Insure that the information on all of your credit reports is correct and up to date.