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: You can currently download free reports from all three major bureaus— Equifax , Experian , and TransUnion —once every week.

: You can also request reports by calling (877) 322-8228 or by mailing a request form to the Annual Credit Report Request Service . Free Credit Score vs. Free Credit Report free-credit-score-free

Monitoring your credit doesn't have to cost a dime. In fact, Federal law and major credit bureaus now provide permanent ways to access your credit health for free. : You can currently download free reports from

It is important to distinguish between the two, as they provide different levels of detail: Free Credit Score | TransUnion free-credit-score-free

The only site legally authorized to provide the free credit reports you are entitled to by law is AnnualCreditReport.com .