®: Still The Best Way to Check Your Credit Report® is Not a Scam® remains the only free, “no strings attached” method for checking all three of your credit reports. You can check your credit reports (EquiFax, Experian, TransUnion) with® once a year for free.

From the U.S. Federal Trade Commission (

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.

After the Act was passed, the three agencies got together and created®.

How to Check Your Credit Reports and Why?

If you've never checked your credit reports, I recommend going to® right now and printing off all three reports. If you've previously checked your credit reports, I recommend starting a rotation: check one of the three reports every four months.

For more information on reviewing your credit report and checking your credit score for free, check out my previous post:® and Free Credit Score.

For more specifics on actually fixing your credit report check out: How to Fix Your Credit Report. Good luck.

About Philip Taylor

Philip Taylor, aka "PT", is a former practicing CPA, blogger, podcaster, husband, and father of three. PT is also the founder and CEO of FinCon, the conference and community dedicated to helping other financial influencers and brands. He created this website back in 2007 to share his thoughts on money, hold himself accountable, and to meet others passionate about moving toward financial independence.

PT uses Personal Capital to keep track of his financial life. This free software allows him to review his net worth regularly, analyze his investments, and make decisions about his financial future.

PT keeps a portion of his emergency fund in Betterment, the automatic investing tool that makes investing super simple. Betterment focuses on what matters most: savings rate, time in the market, investing costs, and taxes. PT recommends this service to anyone looking to get started investing for themselves.

All the content on this blog is original and created or edited by PT.


  1. cj sunshine says:

    @KELI I got the same message.  At least in my case, I think it had to do with how I typed in my address.  I had put a number sign: 123 Main St. #12; the next time I tried I wrote it as: 123 Main St. Apt. 12 – and it went through!  Hope this helps all of you that are having trouble.

  2. I get the same message _ “a condition prevents us from being able to accept your request at this time.” I believe that it is possibly due to my subscribing to the credit service that is offered, then canceling within the 30 day trial period. I read up on some of the ripoff reports, but I am not sure….My friend tried it, who has never before used, and it worked fine on her computer. I have 5 computers in my house and they all say the same thing. So I think something happened, somehow that gave the website my location, and now NONE of my computers allow me to check the damn service. Not even sure that can happen, but I can’t think of anything else. My computer is BRAND new, 2 weeks old.

  3. I keep getting this message “A condition exists that prevents us from being able to accept your request at this time.” Why can’t I get to the web page and do it online instead of calling their phone number that no person answers? Thanks

  4. Thank for your post. It is advantage for me.

  5. Budgets are Sexy says:

    Amen brother! i love that place 🙂

  6. Online Money Cheats says:

    I completely agree with you. I actually tried some other companies but for annualcreditreport is the winner.

    Most of us don’t even wish to spend money on credit report check.

    However, some paid services do keep track of suspicious activities and let you know realtime if something doesn’t look right.