Consumers Can Access Free Weekly Credit Reports

The Fair Credit Reporting Act (FCRA) is legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting. This federal law allows you to request and obtain a free copy of your credit report once every 12 months from Equifax, Experian, and TransUnion.  Due to the COVID-19 pandemic, consumers are now able to receive free weekly credit reports through April 2021. 

The three nationwide credit reporting companies have set up one website and toll-free telephone number through which you can order your free reports.  To order, visit or call 1-877-322-8228.  By utilizing the website, there is no need to contact the three nationwide credit reporting companies individually.

You will be required to provide your name, address, Social Security number, and date of birth. To maintain the security of your file, each nationwide credit reporting company may also ask you for some information that only you would know, such as the name of the lender where you financed your last vehicle.

It is important to note that these credit reports will not include a credit score, but gives you access to your credit information, from which your score is calculated.  Reviewing your credit report from each of the three nationwide companies is important, to ensure the information is accurate and to identify any inconsistencies. Credit reports can have an effect on your housing, loan rates, credit card approvals, and even employment applications.