Skip to main content

Online Banking

Forgot Password   Online Enrollment

Download Our Mobile App

Download our iOS Mobile Banking App Download our Google Play App

How Do I Get A Copy Of My Credit Reports For Free?

Your credit report plays a crucial role in your financial life, as it contains a detailed history of your credit accounts and payment behavior. Lenders, employers, and even landlords use this information to assess your creditworthiness and make important decisions about your financial standing. As a consumer, you have the right to access your credit reports for free. In this article, we'll guide you through the process of obtaining your credit reports without any cost.

Know Your Rights Under Federal Law:

Under the Fair Credit Reporting Act (FCRA), all U.S. consumers are entitled to receive one free credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—every 12 months. This means you have the opportunity to access three credit reports per year at no charge.


The central website where you can access your free credit reports is This site is authorized by the three major credit bureaus to provide consumers with their free credit reports. Beware of other websites that claim to offer free credit reports, as they may require you to sign up for paid services or subscriptions.

Provide Your Personal Information:

To access your credit reports, you'll need to provide some personal information to verify your identity. This typically includes your name, Social Security number, date of birth, and current address. The credit bureaus use this information to ensure they are providing your credit information to the right person.

Select the Credit Bureaus:

After verifying your identity, you can choose which credit bureaus you want to receive credit reports from. You can select all three bureaus or just one or two, depending on your preference.

Request and Review Your Credit Reports:

Once you've made your selections, submit your request to obtain the credit reports. The credit bureaus will then generate your credit reports and make them available for you to view and download online. Take the time to review each report carefully, checking for any errors or inaccuracies.

Dispute Inaccuracies:

If you spot any discrepancies in your credit reports, such as incorrect account information or unauthorized inquiries, you have the right to dispute these errors. Each credit bureau has a process for disputing inaccurate information, and they are obligated to investigate your disputes within a reasonable time frame.

Space Out Your Requests:

Remember that you can access your free credit reports from once every 12 months. To make the most of this opportunity, consider spacing out your requests throughout the year. For example, you could request one report from Equifax in January, another from Experian in May, and the third from TransUnion in September.

Be Wary of "Free Trials":

While obtaining your credit reports is indeed free through, be cautious of other services that offer "free trials" for credit monitoring or other credit-related services. Some of these services may require you to enter your credit card information and could start charging you after the trial period ends.

Stay Informed and Vigilant:

Regularly reviewing your credit reports is an essential part of maintaining good credit health. By staying informed about your credit history, you can quickly identify any issues and take appropriate actions to protect your credit score.

Obtaining a free copy of your credit reports is your right as a consumer. By visiting and following the steps outlined in this guide, you can access your credit reports from Equifax, Experian, and TransUnion without incurring any costs. Regularly reviewing your credit reports allows you to stay on top of your credit standing, detect any errors, and take measures to improve your credit health. Remember, being informed about your credit is a crucial step toward building and maintaining a strong financial future.