ITRC Fact Sheet 128
|Ordering your free credit report:
All US Citizens and residents are entitled to one free credit report from each of the three credit reporting agencies (CRAs) once a year. The three main CRAs are Equifax, Experian, and TransUnion. The credit report will not include your credit score. There are three ways to obtain this report:
You will also be able to obtain a free copy of your credit report if:
If you’ve have already obtained your free credit reports through AnnualCreditReport.com, they will redirect you to each CRA’s website to purchase a copy of your credit report, or you can visit each credit reporting agency separately to purchase a copy.
|What to look for in each section:
Keep in mind that incorrect information may appear even if you’re not a victim of identity theft. Incorrect information may appear due to typographical mistakes and/or mistakes when filling out applications.
Standard consumer credit reports include:
|If you see a problem on your credit report:
This fact sheet should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to firstname.lastname@example.org.