Get A Free Weekly Credit Report From Equifax, Experian & TransUnion Through End Of 2023

Update 9/24/22: Extended through the end of 2023.

Update 4/22/22: Extended through the end of 2022.

Update: These will be available through April 2022

Annualcreditreport.com is website that was set up to give consumers access to their credit reports once annually for free under fair credit reporting act  (FACTA was the specific amendment). Due to COVID-19 it’s now possible to get a copy of your credit report for free weekly until April 2021. The fact that Equifax, Experian and TransUnion can do this in the first place indicates this should be standard rather than a special exemption due to COVID-19. Keep in mind that if you dispute an item listed they have 45 days to respond, instead of the standard 30 days when a report was obtained through annualcreditreport.

Hat tip to reader Matt I

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Atomic
Atomic

William Charles This has been extended through the end of 2023.

John
John

This is a nice feature that Annual Credit Report is providing, but in case some of your readers don’t know, it is been possible to obtain reliable frequent no-cost pulls of your credit reports for several years now — you just need to use free third-party tools. Way back in the day (8+ years ago maybe?) consumers were limited to at most one free pull per credit bureau, but that hasn’t been the case for a long time.

As far as credit SCORES (which are not the same as credit reports) it is also easy to get free FICO scores (Vantage scores are even easier to get, though they are less valuable since far fewer creditors use them to make CC and loan issuing decisions, though landlords seem to use them a bit more). To get free FICO scores you do not need to have a credit card, though many credit cards also provide them.

One nice feature of the ACR site is that their reports show every payment and statement balance for the last 24 months (if that info is being reported by the creditor — not all creditors report that historical payment info). There was talk a few years ago about FICO 10 and later models using that historical data (it helps creditors identify whether you pay your statement balances in full each time, which is associated with lower risk) but since not all creditors report the history of your payments it’s hard to see how the algorithms could do that.

Anyway, bottom line is that this ACR offer is nice but folks should have already been pulling their reports and FICO scores fairly often. Consumers have been able to do that well before the pandemic and they will be able to do that well after this special offer from ACR ends.

Atomic
Atomic

Who gives out a free Equifax FICO? I know Experian gives you one directly, and Discover gives you TransUnion.

John ATL
John ATL

Yep, you are right, EQ is the biggest challenge to get free. Any Citi card will give you a free EQ FICO 8 BankCard score. That can be used to monitor how your EQ report is doing, as long as it is being compared against itself (over time) — the model is a bit different from the FICO 8 Classic, which is what you get with the free services provided by Experian and TransUnion. Another option is to sign up for the 7-day trial for Credit Check Total. That will give you an integrated 3-bureau report as well as a FICO 8 Classic from each bureau. Then once you have what you need you can cancel the CCT trial. The CCT trial can be churned. An interesting choice is to go the CCT route, then pull your Vantage scores and Citi FICO 8 BankCard a few minutes later. That will give you an idea of how the different models score with the same data (e.g. EQ Fico 8 Classic vs. EQ FICO 8 BankCard vs. EQ Vantage).

There is a bank that gives you a free EQ FICO 8 Classic for having a savings or checking account with them, but I can’t remember its name.

DanW
DanW

Navy Federal gives me a monthly FICO score based on Equifax Score 9 (range 300-850). I have a credit card and savings account with them.

Ash
Ash

I have a free Equifax account, using which I can get a report and score summary.

Gadget - Bank Bonus Geek

For about the past two years or so, haven’t been able to pull Equifax using the Annual Credit Report site. Tonight it worked. I figured they were just forcing us to use the Myequifax website, but you’re limited to 6 pulls per year on there. Someone I saw speculated that error was happening to EVERYONE that was impacted by the EQ Breach.

But tonight, Experian gave a strange error for P1, but not for P2.

We’re sorry
A condition exists that prevents Experian from being able to accept your request at this time.

TB
TB

It means you could have a fraud alert on your account (imposed by them)

martin
martin

“This benefit will continue to help consumers across the country manage their financial health during the ongoing hardship and economic uncertainty caused by COVID-19.”

LMAO, let’s see how much longer they are going to blame COVID-19 for the ongoing economic damage being done to this country and not idiotic politicians

Tony
Tony

They collect our data for free, sold those data for money and now do us a favor by temporarily waving the fee for issuing us a part of our data.

Jan
Jan

Welcome to unfettered capitalism

greenspan
greenspan

I don’t really care about your underlying beliefs on the issue, but credit bureaus have to follow a slew of regulations and “voluntarily” follow several more under threat of future legislation, so I wouldn’t really call this particular issue “unfettered”

martin
martin

Much better than the alternative, bread lines and gulags. And as greenspan pointed out the credit system in the US is heavily regulated by the government. Look at the social score system in China if you want to see what the non-capitalist side offers.

Jan
Jan

I like the way people just think the alternative is Cuba/china like communism, forgetting that EU/Scandinavian countries are also capitalist, having better consumer protection and better standard if living in general. I instantly get to know where they get their “news” from.

Slickdealer
Slickdealer

Highly doubt I’d have a higher standard of living in the EU or Scandinavia lol. Maybe if you’re very low income.

Burnout1749
Burnout1749

“Highly doubt I’d have a higher standard of living in the North lol”

-slaveowners in the Antebellum South

Naddi
Naddi

Stop complaining. You and everyone on this site benefits from their data collection. Churning is made possible because the CB’s have data that distinguishes bad borrowers from good borrowers, which allows banks to grant favorable terms and promotions to those who are good borrowers, while excluding bad borrowers

Wil
Wil

Anyone tried it in April? Does this still work now?

V is for Virtue
V is for Virtue

Still works. I just used this yesterday to check for HP after doing the WF biz buz.

Mr M
Mr M

Still works

Commenter
Commenter

What is the benefit or application of Vantage3 credit score? Can it get used at any place for credit qualification? If no use, then why does CK report Vantage3 instead of Fico8?

DaveInAZ
DaveInAZ

Because using Vantage 3 is much cheaper for them to provide than a Fico score. Vantage 4 is an improvement over V3, but still not as good as Fico. I just use CK to check account balance report correctly make sure no unauthorized hard pulls and ignore the Vantage 3 score.

JR
JR

I find it extremely frustrating that TU and EQ do not provide the “true” score that is seen. Y someone doing a hard pull. The “Vantage 3” score they have developed is far off from reality. The only useful piece with them is seeing what is being reported for accounts, etc. but the score they provide is meaningless.

Teri
Teri

@JR.
There’s no such thing as a “true” credit score. A credit score is only as good as the lender that relies on that particular scoring model. Even with FICO, there are various models. Also, there’s nothing wrong with Vantage 3, and saying that it’s far from reality doesn’t actually make sense because there is no real credit score. It’s not an objective metric. Rather, it’s highly subjective.

Commenter
Commenter

Obtaining credit report can be also done via CK and Experian without hassle (CK provides weekly updates and it is free). The only issue is that CK would not provide Fico8 score.

Yo
Yo

Equifax never works for me through this site. Which is bizarre because I have an account with them and I can get a report from their website directly

J
J

uBlock and other ad-blockers cause some of those reports to not load properly on the gov website. Make sure you turn them off before loading each report if you have one turned on.

Gadget - Bank Bonus Geek

MANY other people have the same issue. It’s EQ’s fault… I assumed if you go through the manual process and snail mail report they would fix it. However, made no difference for me.

I wouldn’t be surprised if the ones that can’t be verified are all the ones that were hacked…

https://www.wired.com/story/equifax-hack-china/#:~:text=In%20September%202017%2C%20credit%20reporting,gone%20in%20an%20unprecedented%20heist.

Jay
Jay

Yes, very likely. Myself & SO don’t bother pulling Equifax report in annualcreditreport.com. We are always requested to send in all the personal information. No way in hell I am mailing the docs to these idiots. We rely on Credit Karma & free reports from my.equifax.com.

Charlie
Charlie

I’m sure that must be the reason. I never had any problem getting my Equifax reports once a year until the hack occurred. Since then they say that my information doesn’t match their records..