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How To Get A Free Credit Report – And Why You Should

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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.

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Couple Kidnapped, One Shot In Ondo Estate Attack

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Gunmen suspected to be kidnappers have abducted a couple from their residence in the Iluabo area of Akure North Local Government, Ondo State.

During the attack, which occurred in the early hours of Saturday, February 21, 2026, the assailants shot one person before seizing the victims.

The gunmen had stormed Olaribigba Estate in the community when they whisked Mr Jamiu Olawale and his wife into the bush.

Following the development, which has created tension in the agrarian community, residents protested and barricaded the road leading to the community over the incessant kidnappings and insecurity in the community.

According to sources, the couple had arrived at their residence in an ash-coloured Toyota Camry when they were attacked by the gunmen, who lay in ambush for them.

During the incident, a neighbour of the abducted couple, Patrick Ilumaro, who was seated in front of his residence, was shot by the gunmen while fleeing from the community.

A neighbour of the victims revealed that Ilumaro was swiftly rushed to an undisclosed medical facility where he is currently receiving medical treatment.

While confirming the incident, the Ondo State Police Command disclosed that tactical teams as well as conventional operatives have been deployed to the community.

In a statement issued by the Police Public Relations Officer, Abayomi Jimoh, the operatives are already combing the axis in an effort to rescue the victims and apprehend the perpetrators.

“Concerted efforts are ongoing to ensure the safe return of the abducted persons and bring those responsible to justice.

“Members of the public are urged to remain calm and go about their lawful activities. Meanwhile, the Command urges them to provide credible and actionable information that may assist in the investigation to the nearest police station.”

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Brake Failure Leaves One Dead, Four Rescued At Abule-Egba

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One person died and four others were rescued following a road accident at Ekoro Junction, Abule-Egba, on Friday evening, according to a statement from the Lagos State Traffic Management Authority.

The Director, Public Affairs and Enlightenment Department of LASTMA, Adebayo Taofiq, made this known in a statement issued on the agency’s X handle on Saturday.

According to the agency, the crash occurred at about 7:30 p.m. when an empty MACK tanker suffered a sudden brake failure, lost control and rammed into a Toyota Corolla before crashing into a roadside shop.

LASTMA said the tanker, with registration number EKY 900 XY, collided with a Toyota Corolla marked AAA 823 AY.

The impact caused extensive structural damage to the shop and triggered panic among traders and pedestrians in the area.

“The magnitude of the collision led to the immediate confirmation of one fatality at the scene, while four other trapped persons were extricated from the wreckage through coordinated emergency rescue efforts,” the agency stated.

The authority said it immediately activated its Rescue and Recovery Protocol, deploying specialised operatives to manage the situation.

“Personnel implemented strategic traffic diversion, vehicular evacuation procedures and crowd management in synergy with other emergency responders to forestall secondary incidents and guarantee unobstructed access for rescue operations,” LASTMA added.

It stated that emergency teams carried out rescue operations and provided medical attention to the injured victims.

According to the agency, a heavy-duty tow truck was later deployed to evacuate the damaged tanker and clear debris from the road to restore normal traffic flow.

The agency disclosed that the tanker driver fled the scene shortly after the crash and security operatives have since launched efforts to apprehend the driver and initiate legal proceedings.

“Security personnel from the Nigeria Police Force, Ekoro Division, responded expeditiously, maintaining public order, securing the accident perimeter and assisting in investigative processes aimed at establishing the precise sequence of events that culminated in the mechanical failure and subsequent collision.

“The incident precipitated considerable traffic congestion extending across adjoining routes toward Abule-Egba, necessitating robust traffic management interventions by LASTMA officials who remained on ground directing vehicular movement and implementing diversion strategies to alleviate the backlog,” it said.

According to the agency, its General Manager, Olalekan Bakare-Oki, expressed condolences to the family of the deceased and urged transport operators, particularly drivers of articulated vehicles, to prioritise routine vehicle maintenance.

“Preventable mechanical deficiencies remain a significant contributory factor in severe road traffic crashes,” Bakare-Oki said.

He also advised motorists to exercise vigilance, obey traffic regulations and maintain responsible driving practices, especially within densely populated commercial corridors.

Bakare-Oki assured the public that security agencies would conduct a thorough investigation to determine the immediate and remote causes of the incident and ensure that anyone found culpable would be prosecuted in accordance with extant laws.

The agency said other emergency responders at the scene included the Lagos State Emergency Management Agency, the Lagos State Fire and Rescue Service, the Lagos State Ambulance Service, the State Environmental Health Monitoring Unit and officers of the Nigeria Police Force, collaborated to coordinate rescue, medical response and environmental safety measures.

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Court Sets Feb 25 For El-Rufai’s Arraignment In DSS Cybercrime Case

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The Department of State Services (DSS) will arraign former Governnor of Kaduna state, Nasir El-Rufai, on February 25 over alleged cybercrime and breach of national security.

Justice Joyce Abdulmalik of the Federal High Court has fixed the date for the arraignment of the former Governor on a three-count criminal charge filed by the Department of State Services (DSS) after the Chief Judge, Justice John Tsoho assigned the case to her.

NAN earlier reported that the DSS, on Monday, filed a three-count criminal charge against El-Rufai following his alleged involvement in wiretapping the telephone lines of the National Security Adviser (NSA), Mallam Nuhu Ribadu.

The charge, instituted by the Nigerian secret police, is marked FHC/ABJ/CR/99/2026.

The service accused El-Rufai of breaching the Cybercrimes Prohibition Act (2024) and the Nigerian Communications Act (2003.)

In court, El-Rufai was alleged to have, on Feb. 13, while appearing as a guest on Arise TV station’s Prime Time Programme in Abuja, admitted during the interview that he and his cohorts unlawfully intercepted the phone communications of the NSA, Mr Ribadu.

The offence is said to be contrary to and punishable under Section 12(1) of the Cybercrimes (Prohibition, Prevention, etc.) Amendment Act, 2024.

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