Thinking About Free Credit? 6 Reasons Why It’s Time To Stop!

3 free credit reports
Your credit reports provide important information about your credit history. It is a good idea to review it regularly to make sure the information it contains is accurate and to spot any signs of identity theft.


US residents are always entitled to receive a free copy of their credit report from each of the three national credit reporting agencies every 12 months as part of the Fair and Accurate Federal Credit Transaction Act (FACT). To reinforce our commitment to Americans working to manage their credit health during and after the COVID-19 health crisis, TransUnion is providing free weekly online credit reports through April 2021.

Access your credit report
To obtain your free credit report from each credit reporting agency, visit To access your reports, you will need to provide certain information, including your name, Social Security number, and address. You will then be required to select the credit reporting agencies from which you wish to obtain your report:

You will also be asked to answer a series of questions to verify your identity. The information used for these questions comes directly from your credit reports.

How to use your 3 credit reports
Once you have a copy of your reports, you can find out what lenders and other authorized parties are seeing about your activity and credit history. The reports list the following types of information:

Your name and address
Your current open accounts, including balances and payment history
Your accounts have been closed, unless they are more than 7 years old
Records of inquiries of all parties that have received a credit report from a credit reporting agency.
Public records for the last 10 years
You can also follow the instructions on to report any inaccuracies. You will not receive a credit score with your free annual credit reports. However, there are many places where you can request a credit score, including other websites, some banks where you can obtain an account, and direct from all three credit reporting agencies. Membership in TransUnion Credit Monitoring includes unlimited access to your score with updates available daily.

Why review your reports?
An important reason for reviewing your reports regularly is to check the accuracy of the information they contain. If you find something that you think is inaccurate, it may be a good idea to contact the lender directly for more details, as they report the account to the credit reporting agencies. You can also initiate a dispute with TransUnion and we will investigate it. Knowing what is on your credit reports can also help you make good decisions to keep your credit healthy.

Credit monitoring products can make it easier for you to monitor your credit reports and your health. For example, with TransUnion Credit Monitoring, you can:

Update your TransUnion Points and make a daily report
Receive alerts when there are significant changes to TransUnion, Experian, or Equifax reports
Find out how you can improve your credit health using practical and interactive tools
Protect your credit health and identity with Credit Lock Plus and $ 1 million identity theft insurance

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