There may be other circumstances in which you qualify for additional free credit reports beyond the ones offered every 12 months from each of the three nationwide credit bureaus through www.annualcreditreport.com.
Those may include:
- You have been denied credit within the past 60 days based on information in your credit reports
- You are unemployed and plan to seek employment within 60 days
- You receive public assistance
- You have placed a fraud alert on your credit reports because you believe you are or could be the victim of fraud or identity theft
- Your state offers a free or reduced-price credit report
Residents of the following states are eligible to get an additional free credit report every 12 months: Alabama, Alaska, Arizona, Arkansas, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Vermont, and Wisconsin.
To request the free or reduced-price credit reports available to you in your state, or if the circumstances above apply to you, please go to the following sites to request your credit reports:
Equifax: www.equifax.com/fcra
Experian: www.experian.com/reportaccess/
TransUnion: www.transunion.com/credit-reports-disclosures/free-credit-report
In addition, you can create a myEquifax account and receive six free additional Equifax credit reports each year. You can also click “Get my free credit score” on your myEquifax dashboard and enroll in Equifax Core Credit ™ for a free monthly Equifax credit report and a free monthly VantageScore credit score, based on Equifax data. A VantageScore is one of many types of credit scores.
