To get a free credit report in 2025, the official and authorized way is to use the website AnnualCreditReport.com. This site provides free annual credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. You can request one free report from each bureau every 12 months. Additionally, through 2026, you can get up to six free credit reports annually from Equifax separately on the same site. You can also get your free credit reports by calling 1-877-322-8228 or mailing a request form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Under certain conditions, such as being denied credit, employment, or insurance based on your report, or if you are unemployed and seeking work, you may be eligible for additional free credit reports. It is important to use only AnnualCreditReport.com to avoid scams and fake websites offering free credit reports that may lead to hidden fees or fraud. Summary:
- Visit AnnualCreditReport.com for free reports from Equifax, Experian, TransUnion
- Call 1-877-322-8228 or mail a request form (address above)
- Receive one free report from each bureau every 12 months
- Additional free reports possible under certain conditions (denial notice, unemployment, fraud alerts)
- Beware of other sites claiming free reports—they may not be legitimate
This method is the safest, free, and federally authorized way to get credit reports in the U.S. in 2025.
