Getting Started
Getting Your Free Credit Reports
Your credit reports are the starting point for everything that follows. Getting them is free through the official source, and it is worth checking all three.
- Reading time:
- 1 min
Official free source
AnnualCreditReport.com
Free reports from Equifax, Experian, and TransUnion — no subscription required.
(opens in a new tab)Where do I get my free credit reports?
AnnualCreditReport.com is the official website authorized by federal law to provide free credit reports from Equifax, Experian, and TransUnion. It does not require a paid subscription or a credit card.
Be cautious of look-alike websites that advertise "free" reports but require enrollment in a paid service.
How does the request process work?
- Go to AnnualCreditReport.com directly by typing the address.
- Provide your name, address, date of birth, and Social Security number on that secure site.
- Answer identity verification questions.
- Choose which bureau reports to view, then download or save each one.
Why check each credit bureau?
Each bureau keeps its own file. A discharged account may be reported accurately at one bureau and inaccurately at another. Comparing all three gives you the full picture.
Practical tips
- Save a dated PDF of each report.
- Mark any account you listed in your bankruptcy.
- Keep your discharge order nearby for comparison.
Official and reference sources
Questions about your reports?
Florida residents can schedule a free consultation with Juris Firm Chartered.
Booking a time does not create an attorney-client relationship. If a partner referred you, please mention their name when you book.