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  What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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  Ask Experian
  
  Get credit information on the hottest topics from Experian’s team.
- Life Events and Credit
  
  Find out how life events affect your credit and how to build good credit for the major purchases in your life.
- Preventing Fraud
  
  Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
- Credit Scores
  
  What are credit scores, and how are they calculated? Get the answers to your credit score questions.
- Credit Reporting
  
  Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
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Get Credit Report

Your credit report is available from a variety of sources, most conveniently through the Internet. Often, there are useful tools you can purchase with the report that can give you insight into your creditworthiness. You can get a credit report from Experian at no charge under the following circumstances:

Once every 12 months as required by the Fair and Accurate Credit Transactions Act (FACT Act).
If you certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
If you believe you’re a fraud victim or are at an increased risk of fraud.
Whenever your request for credit, insurance, employment or rental housing is denied based on information received from Experian, if you contact us within 60 days of the denial.
If “adverse action” was taken against you based on information in your credit report (e.g., your interest rate was raised).

There is a nominal fee for additional credit reports if you already have received a free report under the FACT Act or do not meet the criteria for a free report as described above. Some state laws provide free credit reports or reduced prices. To purchase a copy of your credit report, visit our Web site at www.experian.com/reportaccess or call 1 888 EXPERIAN.

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
Preapproved Credit Offers

What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
- Mailing Lists and
  Preapproved Offers
- Opt Out
FAQs
Glossary of Credit Terms

Credit 101

Personal Services