Get a Free Credit Report Every Week Through April 2021

Posted on Monday, July 27, 2020 in Financial Education

What is a credit report?Reviewing Credit Report

A credit report is a record of your credit activity and credit history. Your report will contain information like where you live, when and how you pay your bills, as well as credit limits and loan balances.

Why does my credit report matter?

Your credit report can affect your mortgage rate, credit card approvals, job applications, and even your apartment rentals. Reviewing credit reports helps you catch signs of identity theft early to insure that the information on your report is accurate.

How do I request my free annual credit report?

Federal law requires each of the three nationwide consumer credit reporting companies to give you a free credit report every 12 months. Due to the COVID-19 pandemic, Equifax, Experian, and TransUnion are offering free weekly online credit reports through April 2021.

You may request your free annual credit report online, via phone or by mail. You do not need to order your credit report from each credit reporting company at the same time and may decide to request the three credit reports at different times throughout the year.


  • You can ask for your free annual credit report from Make sure you are on this site before ordering your report. This is the official site, authorized by the Federal government, for you to get your free reports. You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process.


  • Call 1-877-322-8228
  • You will go through a verification process over the phone.
  • Your credit report will be mailed to you within 15 days


  • Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
  • Print and complete the form
  • Mail the completed form to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281
  • Your credit report will be mailed to you within 15 days

You have the right to a free credit report from or 877 322 8228, the ONLY authorized source under federal law. Website disclosure must include a clickable button to “Take me to the authorized source” and clickable links to and FTC.GOV

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