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Are there any fees associated with requesting my annual free credit report?

Asked 2 years ago
No, there are no fees associated with requesting your annual free credit report from the designated source known as Annual Free Credit Report. Consumers are entitled to one free credit report each year from each of the three major credit reporting agencies, which are Equifax, Experian, and TransUnion. This initiative is designed to help individuals monitor their credit reports for inaccuracies and understand their credit standing. It is important for consumers to remember that the free credit report can be obtained only through the official website, AnnualCreditReport.com. While there may be fees for additional services, such as credit monitoring or scores, requesting the free credit report itself incurs no cost. For more specific details, individuals may want to visit the current website for further information regarding the process and eligibility.
Answered Jul 20th 2025

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