The Fair Credit Reporting Act, according to the Federal Trade Commission, guarantees a free credit report from Equifax, Experian and TransUnion every year for each United States citizen. Many credit report websites offer services that are ostensibly free, but require a credit card, which is often charged for subscription renewal or other services. The annual free credit and debt history report guaranteed by the US government does not require the entry of a credit card number.

Free Credit Report - Experian, Equifax & TransUnion

A free credit report from Experian, Equifax and TransUnion is available from the website AnnualCreditReport.com. To get your free report, which includes your personal debt history and accounts that are currently open: