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Getting Your Credit Reports

This page provides the information you need to order your credit reports, monitor changes to your credit history, and contact credit reporting agencies in the event of fraud. 

Use AnnualCreditReport.com.  You are entitled to one free credit report each year from each of the three credit reporting agencies

Additional Free or Discounted Credit Reports. You may be eligible for an additional free or reduced price credit report if you live in: CA, CO, CT, GA, ME, MD, MA, MN, MT, NJ, PR, VT, and VI.

You may also be eligible for a free credit report if:

  • You have disputed an item and as a result of that dispute, the information is updated or changed.
  • You have been the victim of identity theft and have an identity theft report.
  • You are unemployed and planning to look for work.
  • You are receiving public assistance.
  • You have been denied credit, employment, or had any adverse action taken against you because of information in your credit reports.

Download this worksheet to keep track of when you receive your credit reports.