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How To Get A Free Credit Report – And Why You Should
Your credit report is a rundown of your credit history, including accounts you’ve opened, how much you owe, your payment history and a summary of certain legal issues.
Lenders use this information to determine whether to grant you a credit card, a car loan or a mortgage. Landlords and employers sometimes consider credit history for prospective tenants and employees.
Because your credit past can have a big impact on your financial future, you’ll want to stay up to date on what’s in your credit report.
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How to get a free credit report — and why you should
There’s no reason not to get your free credit report

(Image credit: Light And Dark Studio/Shutterstock)
Your credit report is a rundown of your credit history, including accounts you’ve opened, how much you owe, your payment history and a summary of certain legal issues.
Lenders use this information to determine whether to grant you a credit card, a car loan or a mortgage. Landlords and employers sometimes consider credit history for prospective tenants and employees.
Because your credit past can have a big impact on your financial future, you’ll want to stay up to date on what’s in your credit report.
“People need to be informed and educated about credit,” said Darin Shebesta, a certified financial planner and wealth advisor with Jackson/Roskelley Wealth Advisors, Inc., in Scottsdale, Arizona. “I think at least checking [your credit report] once a year is smart and then obviously more frequently as long as you don’t have to pay for it.”
Federal law requires that each major credit-reporting agency — Equifax, Experian and TransUnion — provides a free copy of your credit report once per year.
During the COVID-19 pandemic, however, all three credit bureaus are offering free reports on a weekly basis, meaning you can keep a very close eye on your financial wellbeing. As of this writing, weekly reporting is expected to be available until April 20, 2022.
Here’s how to request yours.
How to get your free credit report
To request your free credit report, hop on over to AnnualCreditReport.com (don’t trust any other website) and follow these steps:
1. Tap “Request yours now!” in the top menu bar or click the “Request your free credit reports” button.
2. Click the “Request your credit reports” button on the next page.
3. Enter your information, including your full name, birthday, Social Security number and address into the form fields and hit Next.
4. Select which credit bureau report you want. You can choose one, two or all three. Click Next.
5. Enter the requested verification information, such as the last four digits of your Social Security number or your email address, on the next screen and follow any further instructions.
6. If the credit-reporting agency is able to verify your identity, you will get access to your free report. You’ll have to repeat the verification process for each bureau if you select more than one.
7. If your identity cannot be verified, you may have to call the credit bureau or submit a request by mail.
As noted, you can currently request a free report from each credit-reporting agency on a weekly basis, so it won’t make a huge difference if you get all three at once or spread them out over a few days.
Once you are limited again to one report per credit bureau per year, you should request all three reports at the same time only if you’re planning a big purchase like a home or car. Otherwise, it may be best to order one free report every few months.
“Certainly, if you’re going to go and apply for credit, you want to check before you do it,” Shebesta says. “Part of why it’s good to check it out ASAP is because if there are any errors that need to be corrected, that takes time.”
What’s in my credit report?
Your credit report is a compilation of your financial history as reported by creditors, lenders and financial institutions. The information in your credit report generally falls into several major categories:
Personal information: names (present and past), addresses (current and former), phone numbers, Social Security number, birthdate
Information about your credit accounts: account types and dates, credit limits, balances, payment history
Information from public records: liens, bankruptcies, foreclosures, civil judgments
Collection history: accounts sent to debt-collection agencies
Credit inquiries: companies and creditors that have viewed your report
While all your credit reports likely contain similar information, they will probably not be identical. Creditors are not required to report their data to every bureau, which is why it’s helpful to request a report from each agency at least once a year. This also allows you to compare for common credit report errors.
One thing you probably won’t see on your credit report? Your credit score. Credit-reporting bureaus are not obligated to provide a score for free with your credit report.
Credit report vs. credit score
While related, your credit report and credit score are not the same. Your credit report shows your credit history, which certainly informs your credit score, a prediction of your future creditworthiness.
Credit scores range from 300 to 850 and help creditors understand, at a glance, how likely you are to pay your debts on time. Generally speaking, the lower your score, the higher the risk a creditor is taking when lending you money.
“The report tells the story of the score,” Shebesta says.
However, there are a few different formulas used to calculate credit scores, and within each model — FICO and VantageScore are the key players — are a handful of different types of scores.
Credit bureaus also have their own “educational” scores that may or may not reflect your official FICO score. Your credit score could vary based on the model used and the data supplied by each individual credit-reporting bureau.
How to get a free credit report: Bottom line
Your credit report contains useful information about your credit history, which is what lenders use to determine whether you should qualify for more credit. You have access to a free credit report from each credit-reporting agency at least once per year from AnnualCreditReport.com — take advantage of this to ensure there are no surprises.
News
Gumi Defends Dialogue As Sole Solution To Nigeria’s Insecurity
Islamic cleric Sheikh Ahmad Gumi recently defended his past interactions with armed groups, stating he “took the bull by the horns” in 2021 as a necessary step to address Nigeria’s insecurity.
In a post shared on Facebook on Thursday, Gumi said decades of neglect of disadvantaged populations had created deep socio-economic inequalities, leaving many youths vulnerable to manipulation by external forces seeking to destabilise the country.
According to him, the widening gap between the rich and the poor has turned many young people into “ready-made foot soldiers” in cycles of violence that enable the exploitation of Nigeria’s resources.
He also criticised the political class for being largely unresponsive, while noting that the intellectual community is preoccupied with survival struggles.
Reflecting on his past efforts, Gumi said he “took the bull by the horns” in 2021 by attempting to reintegrate violent elements into society rather than allowing them to be further radicalised.
He wrote: “Nigeria for decades has ignored the underprivileged section of its society. There is a significant socio-economic discrepancy, and the society is stratified. This makes our teaming youth ready-made foot soldiers for any foreign interest trying to divide us and rule. To plunder our resources while we are involved in a vicious circle of violence.
”Unfortunately, the political class is unattentive while the intelligentsia is held hostage in the struggle for existence.
“In 2021, I took the bull by the horns in an attempt to bring some of these uncouth elements back to our fold rather than letting them be exploited by the devil.
“I still believe this is the only way out of our predicament. However, it needs the political will and determination to achieve.
“May Allah bring peace back to our nation.”
News
Court Clears Senator Ireti Kingibe To Remain Active In ADC
The Federal High Court in Abuja rejected an ex-parte application seeking to bar Senator Ireti Kingibe from participating in the activities of the African Democratic Congress (ADC).
Justice Peter Lifu declined the request from Wuse Ward leaders, ruling that such an order could not be granted without first hearing from the senator.
Instead, the judge ordered the ward leaders said to be loyal to the Minister of the FCT, Nyesom Wike, to put the senator on notice to appear in court to join issues with them on their grievances.
Justice Lifu in a ruling on Thursday held that discretion in such a request for prohibition from party activities and in political matters must be exercised judicially and judiciously.
The judge said justice would be met in the case of the plaintiffs only when the side of the defendant is heard on its merit, along with that of the plaintiffs.
Consequently, the judge ordered that Senator Ireti Kingibe should be served with all court processes by the plaintiffs to enable her become aware of the suit and to prepare her defense.
The judge fixed April 20, 2026, for the plaintiffs and the serving senator to appear before him for hearing of all applications in the matter.
Those who sued the senator in the suit marked FHC/ABJ/ CV/539/2026 are Okezuo Godfrey Anayo and Isaiah Ojonugwa Samuel, on behalf of themselves and ward members as plaintiffs. The senator is the sole defendant.
In their ex-parte application, Kingibe representing the FCT in the Senate was said to have been suspended on March 10, 2026 by her Wuse Ward executives following allegations of anti-party activities and disregard of your cnstitution of the ADC.
In the ex- parte application filed on their behalf by a Senior Advocate of Nigeria, SAN, Kolawole Olowookere, the aggrieved ADC members in Wuse Ward applied for an order of interim injunction restraining Kingibe from parading herself as a member of party, pending the hearing and determination of their motion on notice for interlocutory injunction.
They also asked the judge to restrain the senator from performing any function, attending meetings or performing activities reserved for ADC members or representing the party in any activities.
Besides, the Ward Executive Committee had asked that she be restrained from further interfering with the administration of the ward, ward register and other activities.
The suit was predicated on five grounds among which are that Mrs Kingibe was placed on suspension due to anti-party activities, gross misconduct and confiscation of the ward statutory records.
They argued that the suspension followed due process as enshrined in the ADC constitution and ratified by the two thirds majority of the EXCO members.
They averred that despite the communication of the suspension to Kingibe, she has continued to hold parallel meetings, issue press statements as an ADC member, and using her security details to intimidate the executive committee.
“Her actions constitute flagrant disregard to the internal mechanism of the party,” the plaintiffs stated.
Meanwhile, a lawyer, Abubakar Marshall who claimed to be representing the senator, announced that he had filed a preliminary objection against the suit. He added that it was served on M. S. Garba, who stood for the plaintiffs at Thursday’s proceedings.
News
COAS Shaibu Hits Jos To Restore Peace, Public Confidence
The Chief of Army Staff (COAS), Lieutenant General Waidi Shaibu, visited Jos, Plateau State, on Thursday, April 2, 2026, to lead a high-powered security assessment following recent security breaches.
The visit was aimed at strengthening public confidence and reinforcing ongoing efforts to stabilize affected communities.
Colonel Appolonia Anele, acting Director, Army Public Relations, said in a statement that the visit forms part of ongoing efforts to restore calm and entrench lasting peace across the state.
According to the statement, upon arrival, the COAS was received by the Executive Governor of Plateau State, Caleb Mutfwang, in a clear demonstration of strong civil-military cooperation and a shared commitment to addressing emerging security challenges.
The statement said the COAS received a comprehensive operational briefing from the General Officer Commanding 3 Division and Commander, Joint Task Force Operation ENDURING PEACE, Major General Folusho Oyinlola, who highlighted ongoing operations and proactive measures being implemented in synergy with other security agencies to contain threats, protect lives and property, and stabilise affected communities.
“As part of his engagements, Lieutenant General Shaibu also interacted with community leaders and residents, reassuring them of the unwavering commitment of the Nigerian Army to safeguarding all law-abiding citizens.
He urged residents to remain calm, vigilant and supportive of security agencies by complying with the curfew and cooperating fully with ongoing operations and investigations, while going about their lawful activities.
The chairman of Jos North Local Government Area, Hon. Dachung Bagos, commended the COAS for the timely visit, noting that the presence of the nation’s top military leadership would boost public confidence and reinforce trust in ongoing security efforts.
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