Where to get your credit reports for free
Though there are a ton of websites that claim to offer credit reports for free, there's only one that's federally authorized to do so. That site is annualcreditreport.com.5 Through this website, you used to be able to request your credit report from all three major credit bureaus — Experian, Equifax, and TransUnion — once per year at no cost. But now, due to the increased risk of fraud during COVID-19, these three credit bureaus are now offering free weekly credit reports through April 2021.
Consider a credit monitoring service
While access to free weekly credit reports is a great improvement over once per year, the burden is still on consumers to actually review those reports regularly. That's where a credit monitoring service can help. A credit monitoring service checks your credit report regularly (typically daily) and provides real-time alerts about potential problems. That means one less task you have to worry about on your overcrowded to-do list.
Credit monitoring services are available for a monthly fee, but you may be able to score one at no cost to you: Some banks and credit card companies offer free enrollment in a credit monitoring service as a benefit to customers. If you make reviewing these reports a habit, your credit will benefit.