Your annual credit report is completely free The three credit bureaus-TransUnion, Experian and Equifax-are required by federal law to provide you with a free annual credit report. In fact, AnnualCreditReport.com was created by the credit bureaus as a one-stop-shop for providing your annual credit reports.

Visit www.annualcreditreport.com to request your credit report online, by phone, Check the last page of your report for instructions for claim disputes. Contact.

Credit Karma is a free online service that allows you to check your credit score for free. It is a self-initiated soft credit inquiry, which is different from a hard credit inquiry in that it leaves.

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