Annual Credit Report.com - Home Page (2024)

FAQs

Is AnnualCreditReport.com a legitimate site? ›

AnnualCreditReport.com is the official site to get your free annual credit reports. This right is guaranteed by Federal law. You can verify this is the official site by visiting the CFPB's website. Don't be fooled by look-alike sites.

If you see something on your report that you didn't do, it could mean you're the victim of identity theft. You can get one free credit report each year from each of the three nationwide credit bureaus. The website annualcreditreport.com is your portal to your free reports.

Generally, Credit Karma is the overall best site in terms of getting free credit scores and free credit reports.

No, requesting your credit report does not hurt your credit score. You can check your credit at no charge at annualcreditreport.com . You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion).

3 “As we confirmed at the time, neither AnnualCreditReport.com nor TransUnion was hacked,” said David Blumberg, a TransUnion spokesperson.

Is it safe to provide my Social Security Number to AnnualCreditReport.com? Yes. The site's security protocols and measures protect the personal information you provide. You must enter your Social Security Number to receive a free credit report through AnnualCreditReport.com.

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

While FICO Score 8 is the most common, mortgage lenders might use FICO Score 2, 4 or 5. Auto lenders often use one of the FICO Auto Scores. And credit card lenders can use the FICO Bankcard Scores.

No, checking your credit report does not hurt your credit. And checking your credit score doesn't hurt your credit either. These actions are considered “soft pulls” which don't affect your credit score.

As someone with a 650 credit score, you are firmly in the “fair” territory of credit. You can usually qualify for financial products like a mortgage or car loan, but you will likely pay higher interest rates than someone with a better credit score. The "good" credit range starts at 690.

Is the FICO score the same as the credit score? ›

Is "credit score" the same as "FICO^® score"? Basically, "credit score" and "FICO^® score" are all referring to the same thing. A FICO^® score is a type of credit scoring model. While different reporting agencies may weigh factors slightly differently, they are all essentially measuring the same thing.

You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com. You may also be able to view free reports more frequently online.

Pay on time.

Payment history makes up a significant chunk of your credit score, so it's important to avoid late payments. If you struggle with on-time payments, consider using automatic payments for your accounts or setting up alerts so you are reminded to pay.

Is AnnualCreditReport.com safe? AnnualCreditReport.com is authorized by federal law and safe to use — as long as you ensure you're on the correct site. Double-check the URL when you type it, to be sure you have not made a typo.

Don't be fooled by look-alikes. Lots of sites promise credit reports for free. AnnualCreditReport.com is the only official site explicitly directed by Federal law to provide them.

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through AnnualCreditReport.com. You can request all three of your reports at once, or you can space them out over the course of the year.

You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form .

Is Your Information Secure with Experian? Experian prides itself on providing exceptional service without compromising the personal information of its customers. The privacy policy outlines how information is used and how the credit reporting agency complies with both legal requirements and consumers' expectations.