How often can I request a free credit report?
You can request a free credit report from a nationwide credit reporting company once every 12 months. You can choose to request reports from the nationwide credit reporting companies all at once or one report at a time.
By requesting the reports at the same time, you can determine whether any of your bureau files have errors. By requesting the reports separately, you can monitor your credit file at no cost more frequently throughout the year.
You can get additional free reports if any of the following apply to you:
- If you received a notice that you were denied credit, insurance, or employment or experienced another so-called “adverse action” based on a credit report, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice.
- Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
- You are a recipient of welfare.
- You believe your file is inaccurate due to fraud.
- You have requested a credit report from a nationwide credit reporting company in connection with the placing of an initial fraud alert (you may request two free copies for an extended fraud alert).
- You are unemployed and intend to apply for employment within 60 days from the date of your request.
- Your state offers a free credit report. Residents of Colorado, Maine, Maryland, Massachusetts, New Jersey, and Vermont may be able to obtain an additional free credit report each year. Residents of Georgia may be able to obtain two free credit reports each year.
Note that each of the nationwide credit reporting companies has a different way for you to get your free or reduced price credit report if you qualify for one. You can learn more on their websites or by calling the numbers below: