- AnnualCreditReport.com — the official site authorized for free credit reports from: - Equifax - Experian - TransUnion Steps: 1. Go to the site above. 2. Verify your identity. 3. Request reports from one, two, or all three bureaus. 4. Review them for errors, unfamiliar accounts, or signs of identity theft. If you also want your credit score: - Many banks and credit card issuers provide a free score through their online banking portal. - You can also get a free score from: Experian Free Credit Score Credit Karma