Credit Resources

My credit report and my credit score?

Creditors use your credit score to help decide whether to give you credit and what the terms will be, including what interest rate you’ll pay to borrow money. Your credit score is calculated using information in your credit report.


Your credit report, which lists your payment history and information about the debts you owe, is a key part of many credit scoring systems. That’s why it’s so important to make sure your credit report is accurate. Federal law gives you the right to get a free copy of your credit report from each of the three national credit bureaus once every 12 months.
Through the pandemic, everyone in the U.S. can get a free credit report each week from all three national credit bureaus (Equifax, Experian, and TransUnion) at

To order your free annual credit report from one or all of the national credit bureaus


or call toll-free 877-322-8228

or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service

P. O. Box 105281

Atlanta, GA 30348-5281

Also, anyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at