Here’s a Totally Free Way to Check Your Credit History

Your credit history affects more aspects of life than you might imagine.

You probably know credit card companies and lenders look at your credit report when deciding whether to give you money.

But you might not know your cell phone provider, apartment management companies, car rental agencies and even prospective employers are peeking at your credit history, too.

Do you know what they’re seeing when they do?

They’re likely tapping into your credit history from the three major credit bureaus: Experian, TransUnion and Equifax. You can see this information, too… but it will probably cost you.

You can request a free annual credit report from each of these bureaus (and it won’t necessarily contain your credit score). But we’re sharing a program that will let you get it for free every week.

How to Check Your Credit Report for Free

The three major credit bureaus started offering free weekly credit reports via AnnualCreditReport.com during the economic uncertainty of the COVID-19 pandemic. The program was set to expire after December 2023. But in September 2023, the three National Credit Reporting Agencies (NCRAs) announced that they would continue providing free weekly credit reports permanently.

The move helps consumers make educated decisions about their finances by providing a better understanding of their current credit health. Prior to the change, consumers could only get a free credit report once a year.

To take advantage of this change, head to AnnualCreditReport.com and click “Request your free credit reports.” From there, you’ll need to fill out a form, pick your reports, and request and review your reports online.

Remember that AnnualCreditReport.com is the only source for free credit reports as directed by federal law. Steer clear of any websites making similar claims!

Dana Sitar (@danasitar) is a former staff writer at The Penny Hoarder. She’s written for Huffington Post, Entrepreneur.com, Writer’s Digest and more, attempting humor wherever it’s allowed (and sometimes where it’s not).