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Credit reports are now free, every week

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Financial Impact of the Coronavirus

If you’re feeling anxious about your financial health during these uncertain times, you’re not alone. That’s why the three national credit reporting agencies are giving people weekly access to monitor their credit report — for free.

This is some helpful news, because staying on top of your credit report is one important tool to help manage your financial data. Your credit report has information about your credit history and payment history — information that lenders, creditors, and other businesses use when giving you loans or credit. 

Now it’s easier than ever to check your credit more often. That’s because everyone is eligible to get free weekly credit reports from the three national credit reporting agencies: Equifax, Experian, and Transunion. To get your free reports, go to The credit reporting agencies are making these reports free for the next year.

If you’re one of the many Americans struggling to pay your bills right now because of the Coronavirus crisis, here’s what you can do:

  • Contact the companies you owe money to. Ask if they can postpone your payment, put you on a payment plan, or give you a temporary forbearance.
  • Check your credit report regularly to make sure it’s correct — especially any new payment arrangements or temporary forbearance. The recently passed CARES Act generally requires your creditors to report these accounts as current.
  • Fix any errors or mistakes that you spot on your credit report. Notify the credit reporting agencies directly. You can find out more by reading Disputing Errors on Credit Reports.

Find more advice and tips on handling the financial impact of the Coronavirus, and subscribe to the FTC’s Consumer Alerts.


You are still entitled to free weekly credit reports from three credit reporting agencies. Make sure you click on the button that refers to COVID-19 and free weekly online reports when you go to 

You could call or email TransUnion and ask to have that fee waived, because they made a mistake by charging you for the report.

Except they are not doing it. It's hit and miss from week to week. Sometimes they do it. Sometimes they don't. I follow up and call if they deny it, and sometimes I get a paper copy, sometimes I don't.

I am still waiting for the report

I requested my credit report by phone from Equifax on April 17 and still haven't received it. I wasn't about to mail all the personal identity information they asked for if I wanted to request the credit report by mail. It's somewhat comforting to hear that other people are also having so many problems.

My first credit report


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