About AnnualCreditReport.com

You can pull one report from each of the three major credit bureaus (Experian, Equifax, and TransUnion) for free each year. This is your right according to federal law. You can choose to pull all three reports at once, or you can space them out (for example, pull one report every four months) to monitor your credit continually. Click below to request your credit reports for free.

Reading Your Credit Report

When you pull your credit reports, you should review them to make sure the information is accurate. Reviewing your credit reports regularly can help you catch any fraud that you may be subject to. Here's what to look for when you review your reports, according to the Consumer Financial Protection Bureau.

Still a bit confused? Here are 5 factors that affect your credit score. This will help you understand what's in a credit report, how to improve your score, how your credit score is calculated, and how to create good credit habits. Watch below a quick video to help you understand your credit!