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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
Ignore Fake February 2 Sit-at-Home Order, IPOB Lawyer Tells South-East Residents
A human rights lawyer and lead counsel for the Indigenous People of Biafra, Sir Ifeanyi Ejiofor, has urged South-East residents to completely ignore what he described as a “fraudulent” sit-at-home order allegedly scheduled for Monday, February 2, 2026, by a faction of the group.
Recall that the pro-Biafran group, through its spokesman Emma Powerful, had directed a sit-at-home on February 2 across the region in solidarity with traders at the Onitsha Main Market.
Powerful said the total shutdown in Biafraland is a direct, peaceful, and unified response to the actions of Anambra State Governor, Prof. Chukwuma Soludo, who ordered the closure of the Onitsha Main Market for one week.
But in a counter statement released on Saturday, Ejiofor said the source behind the directive, operating under the guise of “Emma Powerful,” has been compromised and is acting against the collective interest of Ndi-Igbo.
He insisted that IPOB has formally and decisively distanced itself from the false sit-at-home order and directed Ndi-Igbo to go about their lawful activities without fear.
The statement read in part: “Once again, the well-worn theatre of misinformation has opened its curtains, this time with a particularly lazy script and an insultingly predictable cast.
“Late yesterday, a report was widely circulated alleging that a total lockdown of Ala-Igbo had been ordered under the guise of a sit-at-home directive purportedly issued by ‘Emma Powerful,’ slated for Monday, February 2, 2026.
“Let it be stated clearly, unequivocally, and without ambiguity: this directive is fake, a phantom, a calculated falsehood.
“Upon careful inquiry and diligent verification, especially considering the delicate and hard-won calm presently returning to our homeland, it became glaringly obvious that the so-called ‘Emma Powerful’ platform has been fatally compromised.
“It has been hijacked by vested interests whose business model thrives on fear, disruption, extortion, and the cynical exploitation of vulnerable communities.
“The peaceful global movement of the IPOB has formally and decisively disowned this fabricated publication, categorically distancing itself from the false sit-at-home order and directing Ndi-Igbo to go about their lawful and normal activities without fear.
“Going forward, the message from IPOB is unmistakable: any publication attributed to ‘Emma Powerful’ should be treated with extreme suspicion, if not outright contempt.
“Frankly, one cannot but express astonishment, bordering on disbelief, that at such a critical juncture, when relative peace is cautiously resurfacing in Ala-Igbo, anyone would recklessly circulate information capable of reopening wounds and inviting criminal infiltration.
“History has taught us, at unbearable cost, what happens when fake directives fall into the hands of violent opportunists masquerading as enforcers.
“It is therefore no longer sufficient to merely advise our people to ‘ignore’ publications from this source. The time has come for greater clarity and firmness. The platform known as ‘Emma Powerful,’ in its current corrupted state, has positioned itself as an adversary to Ala-Igbo’s peace, progress, and collective well-being.”
According to Ejiofor, the peaceful global movement must go further by publicly and definitively explaining why this source has become unreliable, compromised, and hostile to the collective interest of Ndi-Igbo. Silence, ambiguity, or polite distancing, he said, only leaves room for further abuse.
“A masquerade that dances with fire should not be mistaken for a messenger of truth,” the statement concluded.
News
Joint Task Force Crushes Terrorist Cells In North East, Heavy Weaponry Seized
In recent operations across the North East, troops of the Joint Task Force Operation HADIN KAI (OPHK) have neutralized scores of terrorists and recovered a significant cache of arms and ammunition.
Lieutenant Colonel Sani Uba, Media Information Officer, Headquarters Joint Task Force (North East) in a statement said intelligence has confirmed the killing of JULAIBIB, a top ISWAP commander operating within the Gujba axis of the Timbuktu Triangle, during an encounter around Kimba, Damboa LGA of Borno State, on 30 January 2026.
According to the statement, the elimination of the terrorist leader has thrown ISWAP elements in the area into disarray, with several fighters reportedly neutralised during the operation.
In a related operation, troops of OPHK, working in collaboration with the Civilian Joint Task Force, neutralised 3 terrorists during a well-coordinated ambush between Ngazalgana and Lamusheri communities in Borno State.
It said the operation followed credible intelligence on insurgent movements in the area, as troops laid an ambush along the identified route and engaged the terrorists with effective firepower, resulting in the neutralisation of 3 insurgents, while others fled with gunshot injuries.
The statement said troops recovered two AK-47, adding that the operation forms part of sustained efforts to deny terrorists freedom of movement and degrade their operational capabilities across the Theatre.
It said troops also recorded multiple successes in Adamawa State, adding that on 29 January, 2026, troops responded swiftly to a distress call from Barama community, Mubi North LGA, foiling an armed robbery attempt. Two armed robbery suspects attempting to attack a student of the Federal Polytechnic, Mubi, were arrested. One suspect sustained a gunshot wound to the thigh while attempting to confront the troops and was evacuated to the Federal Medical Centre, Mubi, for treatment.
The suspects were subsequently handed over to the Nigeria Police for further investigation. Items recovered include 3 cutlasses, 2 laptops, 4 mobile phones, and one power bank.
News
Appeal Court Affirms Death Sentences for Five Offa Bank Robbery Convicts
The Court of Appeal sitting in Ilorin, Kwara State has affirmed the death sentences passed on five 2018 Offa robbery convicts.
The court dismissed their appeals as lacking merit.
The Director of Public Prosecution (DPP) in the state, Mohammed Akande, who witnessed the proceedings, said that the three Appeal Court judges unanimously agreed on the judgement and affirmed the verdict of the state High Court condemning the five persons to death by hanging.
“The Court of Appeal, Ilorin Division comprising of Hon. Justice Ridwan Maiwada Abdullahi JCA, Hon. Justice Gabriel Kolawole JCA and Hon. Justice Abdul Dogo today, Friday affirmed the judgment of Hon. Justice H. A. Saleeman of the Kwara State High Court, that sentenced the Appellants: Niyi Ogundiran, Salawu Azeez, Ibikunle Ogunleye, Ayoade Akinnibosun and Adeola Abraham to death by hanging for the involvement in the Offa Bank Robbery”.
Another official of the Court also said that the appellate court rejected all the grounds of appeal filed by the convicts and ordered their immediate return to prison custody.
“The court dismissed all their grounds of appeal and upheld their convictions. They have been taken back to prison,” the official said.
The official said that the arguments raised at the Court of Appeal were unconvincing and may not succeed if repeated at the apex court.
It is recalled that Ayoade Akinnibosun, Azeez Salahudeen, Niyi Ogundiran, Ibikunle Ogunleye and Adeola Abraham were convicted of armed robbery, illegal possession of firearms and culpable homicide.
A sixth suspect, Michael Adikwu, a retired police officer, died in custody before the commencement of the trial.
At least 32 people were killed, including nine police officers, two of whom were women, making it one of the deadliest bank robberies in Nigeria’s history.
Justice Haleemah Saleeman of the Kwara State High Court had earlier sentenced the five convicts to death by hanging after a trial that lasted about six years and attracted nationwide attention.
In her judgment, which lasted over four hours, Justice Salman held that the prosecution proved its case beyond reasonable doubt.
She said the convicts “acted contrary to the law and allowed their connections with those in power at the time to lead them astray”.
In addition to the death sentence, the trial court also sentenced them to three years’ imprisonment for illegal possession of firearms, in line with provisions of Nigeria’s penal laws.
Lead prosecution counsel, Rotimi Jacobs (SAN), described the appellate court’s decision as thorough and well considered, despite the prolonged delays that characterised the trial.
On the defence side, Abdullah Jimba, counsel to one of the convicts, said that preparations were underway to pursue a final appeal at the Supreme Court.
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