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
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.
-
Cord Cutting Could Help You Save Over $10,000 in 10 Years
How cutting the cord can save you money and how those savings can grow over time.
-
The '8-Year Rule of Social Security' — A Retirement Rule
The '8-Year Rule of Social Security' holds that it's best to be like Ike — Eisenhower, that is. The five-star General knew a thing or two about good timing.
-
This Savings Account Earns You More Than $4,000. Here's How
See how a jumbo CD can help you reach your savings goals quicker.
-
Could Trump Accounts be the Best College Savings Option?
We compare Trump Accounts to other college savings options.
-
Chase Increases Sapphire Reserve Annual Fee by 45%: Are the New Perks Worth It?
Chase announced sweeping changes to its Sapphire Reserve card.
-
Capital One Venture X Lounge Access Rules Are Changing – What Cardholders Should Do Now
Your Capital One Venture X lounge access perks won’t be quite as generous as they used to be. Here’s what’s changing.
-
Kiplinger Readers' Choice Awards 2025: Travel Credit Cards
Readers' Choice Awards In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which travel rewards credit cards came out on top.
-
Kiplinger Readers' Choice Awards 2025: Airline Credit Card Rewards Programs
Readers' Choice Awards In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which airline credit card rewards programs came out on top.
-
Kiplinger Readers' Choice Awards 2025: Hotel Card Rewards Programs
Readers' Choice Awards In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which hotel credit card rewards programs came out on top.
-
Kiplinger Readers' Choice Awards 2025: Cash Back Credit Cards
Readers' Choice Awards In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which cash back credit cards came out on top.