Maintaining a good credit history could lead to better rates on major purchases. Find out if you are eligible to get a credit report and score for free.

Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies in a 12-month period.
TransUnion encourages consumers to exercise this right and contributes to a dedicated website that is designed to help with the fulfillment and management of the free annual credit report initiative.
Additionally, you can learn more about other circumstances that may entitle you to a copy of your personal credit report at no charge. You may be eligible for a free credit report in addition to your free annual report if: Within the last 60 days, you have received an adverse action notice (i.e., you have been denied credit) based on information in your TransUnion Credit Report.
You are unemployed and plan to seek employment within 60 days.
You receive public welfare assistance.
You have reason to believe your TransUnion Credit Report is inaccurate due to fraud.
Your state offers a free or reduced-price credit report.
Free Annual Credit Reports and TransUnion Credit Reports are accessible to the vision impaired. Online reports are compatible with screen readers. Accessible formats can be requested by telephone or mail; please specify Braille, audio or large print

Request your free annual credit report online
Unemployed/Public Assistance

You have the right to know what is in your file.

You may request and obtain all the information about yourself in the files of a credit reporting company (your "file disclosure"). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free.

Click here to get your free credit report if you are unemployed or on public assistance.

Fraud Victims

The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of fraud or identity theft. Here is a brief summary of the rights designed to help you recover.

Fraud Victim Bill of Rights
You have the right to place a ‘security freeze’ on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. You have the right to free copies of the information on your credit report.
You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. You have the right to obtain information from a debt collector.

If you believe information in your report results from identity theft, you have the right to ask a credit reporting company to block that information from your credit report.

You also may prevent businesses from reporting information about you to credit reporting companies if you believe the information is a result of identity theft.