Where to request the credit reports authorized by federal law.
AnnualCreditReport.com is the federally authorized website for requesting reports from the nationwide credit bureaus.
Guide library
Credit answers organized for the next decision.
Browse every published guide or search for the account, report item, debt, or consumer right you are working through.
Common Credit Report Errors to Check Before You File a Dispute
A practical list of the most common credit report errors the CFPB says consumers should check before they send a dispute.
Why one credit report can look different from another.
Credit bureaus assemble consumer credit information, and reports can differ because creditors may not report to every bureau.
The federal law behind your credit-report rights.
The Fair Credit Reporting Act regulates how consumer reporting information is collected, used, and corrected.
Why your credit scores may not all match.
Credit scoring models use information from credit reports, but different models can weigh that information differently.
Questions to Ask About Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
Common Mistakes People Make With Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
A Step-by-Step Checklist for Consumer Complaints
A practical guide to consumer complaints, the records to check, and the next steps to consider.
What to Know About Consumer Complaints Before You Act
A practical guide to consumer complaints, the records to check, and the next steps to consider.
Questions to Ask About Identity Theft Recovery
A practical guide to identity theft recovery, the records to check, and the next steps to consider.
Common Mistakes People Make With Identity Theft Recovery
A practical guide to identity theft recovery, the records to check, and the next steps to consider.
A Step-by-Step Checklist for Identity Theft Recovery
A practical guide to identity theft recovery, the records to check, and the next steps to consider.
What to Know About Identity Theft Recovery Before You Act
A practical guide to identity theft recovery, the records to check, and the next steps to consider.
Questions to Ask About Phishing Credit Alerts
A practical guide to phishing credit alerts, the records to check, and the next steps to consider.
Common Mistakes People Make With Phishing Credit Alerts
A practical guide to phishing credit alerts, the records to check, and the next steps to consider.
After the Canvas Cyberattack, Expect the Second Wave of Scams
The FTC warns that after a breach headline, scam texts, calls, and emails often arrive before consumers have solid facts.