How to Get Free Credit Reports Weekly
Check your credit report weekly for free as the three major credit bureaus make a pandemic-era initiative permanent.

The three major credit bureaus — Equifax, Experian and TransUnion — will offer a free credit report to consumers each week at AnnualCreditReport.com on a permanent basis, extending a pandemic-era program that was set to expire at the end of 2023.
The new policy follows the bureaus’ move in spring 2020 to provide free weekly reports as the coronavirus pandemic struck the U.S., causing financial hardship for Americans who lost their job or faced a pay cut. Before the recent announcement, the availability of free weekly reports was scheduled to expire at the end of 2023. Typically, a free report is available from each bureau only once every 12 months through AnnualCreditReport.com.
Check each report for errors or signs of fraudulent activity, such as the presence of a credit card or loan that you never opened or a collection account for a debt that you don’t owe. The most effective way to block identity thieves from opening accounts in your name is to put a free security freeze on your report from each bureau. (You can add a freeze at www.transunion.com/freeze, www.experian.com/freeze and www.equifax.com/personal/credit-report-services.) When a freeze is in place, a creditor cannot access your report in response to an application for new credit, thwarting crooks. If you want to open a credit account, you can temporarily lift the freeze.

Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
Related Content
Get Kiplinger Today newsletter — free
Profit and prosper with the best of Kiplinger's advice on investing, taxes, retirement, personal finance and much more. Delivered daily. Enter your email in the box and click Sign Me Up.

Lisa has been the editor of Kiplinger Personal Finance since June 2023. Previously, she spent more than a decade reporting and writing for the magazine on a variety of topics, including credit, banking and retirement. She has shared her expertise as a guest on the Today Show, CNN, Fox, NPR, Cheddar and many other media outlets around the nation. Lisa graduated from Ball State University and received the school’s “Graduate of the Last Decade” award in 2014. A military spouse, she has moved around the U.S. and currently lives in the Philadelphia area with her husband and two sons.
-
AI Goes To School
The Kiplinger Letter Artificial intelligence is rapidly heading to K-12 classrooms nationwide. Expect tech companies to cash in on the fast-emerging trend.
-
Where to Invest in an Uncertain Market
In an uncertain market, you can still pocket juicy payouts ranging from 4% to 14%, depending on risk.
-
How Capital One Venture X's Travel Perks Make the Fee Worth It
Travel Cards Travel cards, like the Capital One Venture X come with a sizable annual fee. Here are four ways to offset it.
-
Is ESPN’s New Streaming Service Worth It?
ESPN will release its standalone streaming service this fall for $29.99 per month for one year. Is it worth the cost? We'll break it down.
-
Rich, Single and Saving Smart: How to Maximize Your Money
High-net-worth individuals often have plenty of cash on hand, but to truly maximize your income, that money needs to work for you. Here’s how.
-
Does Your State Make it Easier to Save Money?
The state you live in can influence how well you're able to save money. See which states make saving easier.
-
Worried About Stock Market Volatility? Here’s Where to Put Your Money Instead
Learn how to use high-yield savings accounts, CDs, Treasury securities, annuities and dividend stocks to stay steady in uncertain times.
-
Capital One and Discover’s $35.3B Merger Approved — Here’s What It Means for Your Wallet
The Capital One Discover merger reshapes the credit card landscape and could impact your credit card rewards, interest rates and card perks.
-
Earn a 50% Discount to The Cultivist With Capital One Venture X
Tour some of the world's top art museums for less when you use your Capital One Venture X card to score a 50% discount to The Cultivist.
-
What Happens To Mortgage and Savings Rates If Trump Fires Jerome Powell?
President Donald Trump expressed his desire to remove Fed Chair Jerome Powell. If the president is successful, how would it impact your savings accounts?