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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.


Thank you

If it's free, then why are they asking for credit card information?

To get your free reports, go to


No.  There is there is no charge to get your free credit report from 

Trans-Union tries to trick people into subscribing to some sort of service when they request a free report. The FTC should be monitoring and preventing this sort of behavior.

Surprised that Transunion is still up to their old tricks.
It took me about 10 months to get them to stop their
to stop charging me for a service I never wanted or asked for.
My credit card company pretended that they were settling the issue, but they weren't.
I finally sent my issue to the FTC. It transferred my problem to their Consumer Financial Protection Bureau (CFPB).
They settled my problem in short time and about 10 months of
false charges were cancelled out by Transunion. Good work!

The Federal Government should pass some type of Law prohibiting the reporting agencies from lowering credit scores until this country is up and running again.
Most Americans I know work hard and pay their bills. Lock Downs and Stay At Home orders are effecting our ability to pay our bills. This should not effect our hard earned credit ratings.

Thats great credit advise, I love the FTC survay aswell.

I noticed the “credit report” does not include the “credit score.” Is there a reason for not including the credit score as part of the report? Thank you has been available for many years now, with each of the three agencies offering one report per year. However, these have never included a credit score. They list all of your creditors and the timeliness of your payments, but do not include a score.

Free but they make it extremely difficult to retrieve. For instance Equifax indicated that I need to mail in verification of my SS number, employment etc.before they would disclose- more documents than even Homelnd security would require. Transunion had an error, but their website froze everytime I tried to dispute it. Plus they all try to hard sell their overpriced "credit monitoring" programs or FICO scores. Plus I had to turn off my add blocker to access at least one of them. These companies have so much power and ripoff consumers and exploit heir privacy. I hope the FTC can continue to investigate them!

I appreciate the knowledgeable advice and information the Federal Trade Commission has to offer to the public. I often share this very valuable information on social media for viewing.

Heart lots of help

I occasionally the FTC's Consumer Information articles on Facebook. Thank you all for being there. : ]

I have yet to get an answer as to why it takes three agencies to report on a single source of data being reported. The data originates from a single source. Why do you meed to report the exact same data three times?

Not all reporting sources use all three agencies. Many only utilize one of the three, so it may take a report from all three agencies to see your complete credit history.

I just tried doing the request to TransUnion- got a run around

I went to Equifax and I basically wanted a score number. I did get a 45 page report. Looks good. But no score number. The report said to call a certain 877 number for the score. After 10 minutes of phone tree which kept telling me how to get the report, which I had, I gave up.

My score has been going up and down every week due to this mess. This is completely negligent.

I have had the same problem of requesting a free report, but they all want you to sign up for extra protection!! Seeing that our information was hacked all 3 Credit Bureaus should offer any extra protection FREE!!!!

Unable to get my report from Equifax. NO PROBLEM with TransUnion or Experian. What gives Equifax?

Same here, no problems with TransUnion or Experian, but Equifax asked me to verify my identity using the usual questions they ask for that, but none of the questions fit my credit profile and then they said I had to mail in my credit report request! I thought my identity got stolen! Luckily I remembered I had a MyEquifax account that I never sign on to and signed into that and was able to see my credit report on there and everything was fine.

Does this also apply if you request it via phone. I don't feel comfortable entering all of that information online. Wouldn't request it weekly via phone but at least monthly or bimonthly.

No, the credit bureaus are only offering the free weekly reports online through

How I get in touch with the privacy. FTC gov the lawyer here in Las Vegas Vegas thanks

Equifax is blocking people from accessing their site. If you don't remember your password or if you don't have one, Equifax will not respond to you. They had a breach and were sued by FTC because lots of people's credit information was exposed in 2017. Equifax won't let victims view their report to see what was affected.

I placed a "freeze" on my account several years ago. Do I have to lift the freeze in order to get these free weekly credit reports?

No, you don't have to lift your credit freeze to check your credit report. This article has more questions and answers about credit freezes.

I was unable to get any of the three, on-line. I must mail in an application. ~Sigh~

Thank You. Also there needs to be an overhaul of the reporting agency's they are not UP-TO-DATE.

Well, the credit reporting agencies -- especially TransUnion, most certainly want you to contact them for a credit report. However, it is certainly not "Free." In fact, any person contacting TransUnion and even contacting the two other Credit Reporting Agencies will encounter mindless "offers" from the Credit Reporting Agency. In effect, you might (eventually) get a "free" credit report, albeit an abbreviated one, if you're willing to put up with a Credit Reporting Agency "offer" and their double speak tactics. A better use of time would be for the Credit Reporting Agencies actually better protect your credit file, especially when considering Credit Reporting Agencies get "hacked" frequently and often divulge information that is not to the benefit of the consumer. Buyer beware -- with any Credit Reporting Agency.

To get your free reports, go to

Why does Equifax say "Online Delivery Unavailable" for my credit report? In fact my husband and I had this same reply and we were told we had to request our reports by mail. The other two credit agencies gave us our reports with no problem.

Please contact Equifax directly about the issue:

This link is just a list of "Frequently Asked Questions". Even though this is minimally helpful, I am surprised and grateful for your reply.

We are not comfortable putting the required identifying information in the mail and then trusting Equafax to shred it when they're done with it. There has to be a better way. For now we'll just put off getting our credit report from them. We may have to accept that Equafax is not run properly, but we don't have to approve of it.

Credit report

Transunion somehow attaches so called Credit Karma to the FREE annual credit report if you request the score and Credit Karma without shame charges a monthly fee of $28.00.Itis impossible tocancel- there are no links, the phone number is not answered. Does anyone knowwhat to do?

TransUnion offers free weekly credit reports through

TransUnion also offers a separate, paid product that includes your report, your score, and other credit monitoring services. If you bought a paid product from TransUnion or Credit Karma, you have to contact them directly to cancel the product. 

The credit agencies promote guarding against debt and pay down debt but within online reports they advertise high interest credit cards, trashy car loan offers and predatory loan companies with interest rates designed to sack you. Why doesn’t the FTC use their powers and charge the credit bureaus with misleading advertising?

Will pulling the reports weekly have a count against my credit score? Will it cause it to go down?

When you request your own credit report, it does not affect your credit score.  This FTC article has more about your credit report & credit score.

Will requesting a report lower my credit score?

When you request your own credit report, it does not affect your credit score.  This FTC article has more about your credit report & credit score.

Filled out all the questions, ie: SSN, DOB, ADDRESS, ETC. ETC. and after giving all this ~ I get a response that I cannot get a response on line and must mail info in for an answer. THAT'S NOT going to happen however thanks to the FTC May 18, 2020 message, ALL
my personal info is out there somewhere!!


Im one of the lucky ppl who got hacked so I put a hold or freeze on my credit Can I still get a report free? You should mention they dont include your credit score on those reports, that cost money.

You don't have to lift your credit freeze to check your credit report. You can get a free report. This article has more questions and answers about credit freezes.

I read here and in other sources that everyone can receive a free CR weekly from each of the three major CRA’s. I went to the website and submitted the form for free weekly reports. Just receive a letter from TransUnion that since I have already received my free annual report I am ineligible for for a free weekly report and must pay $11.50. It appears that TransUnion may have reconsidered their position on free weekly reports for everyone.


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