Online credit check free


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Under federal law you are entitled to a copy of your credit report annually from all three credit reporting agencies - Experian®, Equifax® and TransUnion® - once every 12 months. Every consumer should check their credit reports from each of the 3 bureaus annually. Doing so will make sure your credit is up-to-date and accurate. Each reporting agency collects and records information in different ways and may not have the same information about your credit history.

How can I request my free statutory annual credit file disclosure?

  1. You may contact the Central Source by visiting
  2. You can request by phone and call 877 FACTACT
  3. You can complete the Request Form and mail it to:
    Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA

When you order, you will need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information on your credit report, such as the amount of your monthly mortgage payment.

Your free annual credit report does not include your credit score. A credit score is an additional service that can be purchased when getting your credit report. Along with knowing your credit score you will learn what factors positively or negatively impact your credit risk.

What is the FACT Act?

The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.

Is everyone eligible to get their free statutory annual credit file disclosure?

Yes. As of Dec. 1, 2005 all consumers are eligible to request their statutory annual credit file disclosure once every twelve months.

How often can I get a free credit file disclosure?

The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies every twelve months.

What is a credit report?

Your personal credit report contains details about your financial behavior and identification information. Experian® collects and organizes data about your credit history from your creditor's and public records. We make your credit report available to current and prospective creditors, employers and others as permitted by law, which may speed up your ability to get credit. Getting a copy of your credit report makes it easy for you to understand what lenders see when they check your credit history. Learn more.

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Popular Q&A

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Free online credit check? | Yahoo Answers


The only site you can truly get your free credit reports with no credit card or other "trial offers." It is sponsored by the 3 bureaus.
DO NOT bother with freecreditreport.com.

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Where could one obtain a free online credit check in the UK?

A free credit check could be obtained at any of the following company's (not an exhaustive list): Experian, Noddle, Equifax, MoneyMatchMaker, CheckMyFile.