Credit Reports

Credit Facts for Consumers

Federal Trade Commission

For important consumer facts and information about your credit, visit the Federal Trade Commission site at Information is available in English and Spanish.

Obtain a Free Copy of Your Credit Report

This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. is the official site to help consumers to obtain their free credit report. These credit reports may not list your current credit score.

What Makes Up Your Credit Score?

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