The Best Free Credit Report Sites

The 30-Second Review

If you’ve never checked your credit reports before, the first thing to know is that you’re legally allowed to access them for free. Federal law mandates that each of the “Big Three” consumer credit bureaus — Experian, Equifax, and TransUnion — gives you one free credit report per year. The second thing to know is that there’s only one website where you can request all three for free: AnnualCreditReport.com.

Best Overall

The only site to get your three federally authorized free credit reports a year. It looks spammy, but it’s not. Does not provide credit scores.

Best Free Trial

Free comprehensive reports (with all three credit scores) for 30 days; after that it’s $15/month for quarterly reports and identity monitoring.

AnnualCreditReport.com was set up by the Big Three Bureaus in order to comply with the Fair and Accurate Credit Transactions Act of 2003 (FACTA), which required there to be a single, official website for exactly this purpose. As it says on the homepage, it’s “authorized by federal law,” so there’s really no reason to look further if you’re after your credit reports without any bells, whistles, or explanations. Each of the three bureaus gives you one free report a year; if you’re interested in getting the most frequent updates for free, space the three out throughout the year.

However, if you’d like to check your report more frequently, need some help understanding the information in your reports, want to know your credit score, or want tips for improving your creditworthiness, a subscription site is the answer. Our other top pick, Identity Guard, provides free credit reports from all three bureaus, plus scores, analysis, and monitoring for 30 days through this link (although its full, current ID theft protection product doesn’t offer these features). Once the 30 days are up, keeping close tabs on your credit reports means plunking down some cash: $15 a month for quarterly credit reports from each of the three bureaus among a bunch of other identity-monitoring features. If you plan on upgrading (and paying a monthly fee) we recommend MyFICO Ultimate 3B ($30/month). It’s continuously updated and truly comprehensive in its presentation and explanation of your credit reports and scores.

Our Picks for the Best Free Credit Report Sites

Best Overall

AnnualCreditReport.com The only place to get your three federally authorized reports a year.

AnnualCreditReport.com is the only place on the internet where you can get all three of your full credit reports for free. That said, it’s super bare-bones: little more than a portal that walks you through the steps to request your reports directly from the bureaus. Choose which bureau’s report you want, type in your credentials (including SSN), answer a few security questions, and voila: you’ll get a downloadable copy of your full credit report from that specific agency.

Annual Credit Report screenshot for Free Credit Report

You can choose to request all three at the same time (allowing you to note any discrepancies between current reports), or you can space out your requests over the course of a year (allowing you to check at least one current report every four months). But, you only get one report per year from each bureau, and it shows your credit only for the day it’s compiled. If you use this method and check your TransUnion report, for example, and it changes a month later, you’ll be unaware of the change until you request next year’s TransUnion report.

And, you don’t get your credit score.

AnnualCreditReport.com takes a compliance-only approach: no credit scores and zero assistance in making sense of your reports. When you pull one, you’ll see it looks a lot like a bank statement. It’s basically a long list of your credit lines, debt, and payment histories going back years, along with any recent inquiries made by potential lenders, but there’s nothing to tell you how this data will be perceived by lenders.

The most help AnnualCreditReport.com offers is an FAQ page with links to articles on the Federal Trade Commission’s and Consumer Financial Protection Bureau’s websites. These definitely have useful info, but you might have to wade through a few thousand words to find what you’re looking for. Still, there’s no arguing that AnnualCreditReport.com does what it says on the label: It gives you your full credit report from each bureau, once annually.

Screenshot from TransUnion for Free Credit Report

Here’s a sample credit report from TransUnion. It’s not pretty to read and all those green “OK” ratings make it seem as though all is good here. The report doesn’t show that carrying a high balance from month to month had a negative effect of the cardholder’s credit.

Best Free Trial

Identity Guard® Your reports and scores free for 30 days. After that, it’s $15/month.

Identity Guard recently overhauled its product line to focus on a new service called Privacy Now, but it’s still allowing our readers to access the free 30-day trial of its “Total Protection” package (no longer available for purchase). It’s called “Total Protection” because it’s actually an identity theft protection service first (credit monitoring is one of the main methods of keeping your identity secure). In contrast to AnnualCreditReport.com’s no-frills approach, Identity Guard’s free trial bundles your three bureau reports with some other nifty features, including credit scores, a description of how your profile compares to the general population, and suggestions for improving your credit based on which factors are weighed most heavily by lenders. If AnnualCreditReport.com’s reports are raw data, Identity Guard is a professor explaining what that data means and what you should do about it.

When you log into your free trial account, you’ll be able to click and scroll through each of your three credit reports without being redirected to another site or having to download anything. The full service, which is $15 a month, includes updated reports once every three months, but given that the free trial is only for 30 days, that’s kind of a moot point. However, it’s worth noting that the credit reports you get from Identity Guard are in addition to the ones you get from AnnualCreditReport.com, so it’s particularly handy if you’ve already maxed out your free pulls.

Screenshots from Identity Guard for Free Credit Report

A demo area on Identity Guard’s site lets you explore various features.

Identity Guard’s best complement to your credit reports (other than the actual credit scores from each bureau) is its Credit Analyzer tool, which lets you explore how various actions might impact your credit. You can simulate making payments, transferring balances, opening or closing accounts, and even receiving inquiries like you’d get from a landlord or credit card issuer to see how they affect your credit scores.

The site also goes into detail about how to request error corrections on your reports, something you never want to deal with, but might have to at some point. Errors can crop up because the bureau has made a clerical error, or worse, your SSN was stolen and used to open a fraudulent credit line in your name. The bureaus have 30 days to respond to your dispute, and they’re required to remove anything they can’t prove is accurate.

Another (Not-Free) Credit Report Service to Consider

MyFICO Ultimate 3B Our top pick for best paid credit report service. So good, it’s worth mentioning again here. ($30/month)

If you’re willing to shell out for a paid credit monitoring subscription service, it doesn’t really get any better than MyFICO Ultimate 3B. You can check your current reports from all three bureaus at any time, and you’re also notified of any changes within 24 hours of when a bureau posts them. MyFICO also makes it easy to navigate through the sections of your reports, highlighting the most important information with notes on how it’s affecting your credit.

To top it off, the Score Simulator feature lets you see how simple actions — like paying $50 more per month on your credit cards or opening a mortgage — affect your FICO Score 8, the current industry standard used by roughly 90 percent of lenders.

Did You Know?

Personalized explanations and suggestions for improving your credit aren’t free.

DIY credit maintenance is certainly possible; it just takes a little time. The FTC and Consumer Financial Protection Bureau websites answer the most common questions about credit reports and scores. For anything more, you’ll have to pay. On the bright side, paid services like MyFICO typically do much more than just break down your credit; they pack a whole suite of services including daily credit monitoring and identity theft protection. Which brings us to our next point…

Monitoring your credit reports is fundamental to protecting your identity.

It’s smart to keep up with your credit even when you aren’t prepping for a big purchase because bogus credit report entries are how many people first learn they’ve been scammed. If you see an account, debt collection, or legal judgment you don’t recognize, it might be because someone’s gotten hold of your personally identifying info (like your address and SSN), and used it to rack up some unauthorized spending.

If you see something strange, contact the bureau that issued the report immediately and ask it to investigate (the FTC has a protocol for consumers who think they might have been victimized). You might also want to upgrade your credit monitoring to a full identity theft protection service; you can learn about our top picks here.

The Bottom Line

Best Overall

AnnualCreditReport.com No bells, no whistles, not even a single score. But it’s the one place to get your annual free reports.

Whether you’re applying for a job, buying a home, or just want to get out in front of identity thieves, it pays to know your credit. The one-stop shop for your free annual reports is AnnualCreditReport.com, but it offers only the bare minimum.

If you want personalized advice on how to build and maintain your credit, as well as help understanding what goes into it, you’re likely looking at a paid service. The best ones give you peace of mind by continuously monitoring all three credit reports and alerting you of any potential threats. For more in-depth analysis of those paid services, see our review for overall best credit report services — not just the free guys.