is a website where you can go to receive your credit reports for free once per year. When you go to the site, you’ll be given the option to retrieve your credit report from Equifax, Experian, or TransUnion. You can view your report online or ask to have a copy mailed to you (or both).

It’s important to note that these credit reports can differ from each other, which is why it’s necessary to review all three. Financial institutions aren’t required to report your account activity to Equifax, Experian, and TransUnion — meaning there could be accounts on one credit report that aren’t on another. It’s a best practice to review all three credit reports at least once per year and to dispute any errors you might find with the company whose report is showing an error.

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