Know what’s in your credit report.
Get your free reports, understand what you see, and take the right next step if something looks wrong.
AnnualCreditReport.com is the federally authorized site for free credit reports. You’ll leave RightCreditReport.com.
Three useful places to begin
Take one step at a time. You never need to enter your Social Security number on this site.
Read your report
What the sections mean, what to check, and why a report differs from a score.
Read the guide →02Dispute an error
How to document a possible mistake and contact the reporting company and information provider.
Read the guide →03Consider a freeze
Understand what a security freeze does and where to request one.
Read the guide →Free report or paid monitoring?
A free credit report and a paid monitoring subscription solve different problems. Start with the free route. If you want alerts or identity features, compare coverage, pricing, cancellation terms, and limitations before subscribing.
See the comparison checklist →Buying monitoring is not required to receive your free reports or to dispute an error.
Consumer Financial Protection Bureau ↗Use the official route.
Our site explains the process. To request a free report, go directly to AnnualCreditReport.com. We do not ask for or store your credit report information.