Free credit reports
Free credit reports from all three bureaus, the only site authorized by federal law.
Apply on the official site ↗Goes to AnnualCreditReport.com. Applying is free.
Who generally qualifies
Everyone.
Exact income limits and rules are set by AnnualCreditReport.com and can change. Check the official site for current details.
How to apply
- Request reports at AnnualCreditReport.com.
- Dispute any errors with the bureau.
What to have ready
- Personal information to verify identity
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- AnnualCreditReport.com makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check AnnualCreditReport.com for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with AnnualCreditReport.com.