How to Get Your Free Credit Report in 2025? You've probably seen or heard commercials about getting your free credit report. But be careful—some of these websites come with strings attached. Many so-called "free" credit report services actually require you to sign up for a trial subscription that charges you after a few days if you don’t cancel. What you may not realize is that the U.S. Government provides access to your credit report for free—no credit card required.
Where to Get a Legit Free Credit Report
The only website that is federally authorized to provide free credit reports is AnnualCreditReport.com. It is the official site supported by the Federal Trade Commission (FTC).
As of 2025, all three major credit reporting agencies—Equifax, Experian, and TransUnion—continue to offer free weekly credit reports through this site. This was initially introduced during the COVID-19 pandemic and has been extended indefinitely.
Why Use AnnualCreditReport.com?
- It's the only government-authorized source for free credit reports.
- No credit card is required—ever.
- You can access reports from all three major credit bureaus.
- Reports are updated weekly, giving you near real-time insight into your credit history.
What Do You Need to Get Started?
You’ll need to provide your full name, current address, date of birth, and Social Security number. To verify your identity, you may also be asked to answer personal questions only you would know, such as past addresses or loan amounts.
What's in a Credit Report?
A credit report includes:
- Your name and current/past addresses
- Credit account history and payment behavior
- Credit inquiries
- Public records such as bankruptcies, liens, or judgments
Beware of "Free" Credit Report Scams
Many websites advertise free credit reports but may ask for your credit card to sign up for monitoring services or trials. If you forget to cancel, you’ll be charged. Always go directly to AnnualCreditReport.com to avoid these traps.
FAQ: Free Credit Report in 2025
How can I get a free credit report in 2025?
Visit AnnualCreditReport.com. You can request reports from Equifax, Experian, and TransUnion weekly, for free.
Is AnnualCreditReport.com safe?
Yes, it is the only website authorized by federal law to provide free credit reports. It is supported by the FTC and does not require a credit card.
What's the difference between a free credit report and a free credit score?
A credit report contains your financial history, while a credit score is a number calculated based on that history. AnnualCreditReport.com provides the report, but not your credit score.
Final Tip
Bookmark the official site and set a reminder to check your credit report regularly. Monitoring your credit is one of the best ways to detect identity theft early and stay in control of your financial health.