How do I: Get my credit report?

What you need to know

Many people have at least one mistake in their credit histories. You should review your report at least once a year to be sure it's accurate and to check for identity fraud. 

There are three ways you can get your credit report:

1. Online. Go to AnnualCreditReport.com, the only authorized source for consumers to access their annual credit report online for free. You can also combine credit reports and various monitoring services by paying fees at various Web sites, including Equifax, Experian and TransUnion.  
2. By phone. Call (877) 322-8228.
3. By mail. You may complete and mail the Annual Credit Report Request form to the address on the form

The law requires only that you be provided with a free report from each of the credit reporting agencies each year, which does not include your credit score. You can order your score either online or by phone. Prices vary but typically are below $15.