How to Get a Free Weekly Credit Report in 2022

Free weekly credit reports have been extended through the end of 2023 by all three major US credit bureaus.

“The rising cost of living as a result of COVID-19 has created economic consequences felt by many Americans,” the CEOs of Equifax, Experian and TransUnion said in a joint statement.

Generally, consumers are entitled to a free credit report from each of the three bureaus each year via But offices have started offering free weekly access during the coronavirus pandemic to help consumers manage their financial health during a difficult time. Free access was to return from weekly to once a year in early 2023.

Now, US consumers will have at least another year of free weekly access. This is good news, as consumers can now regularly check their reports for inaccurate information, a common practice. credit report complaint. In fact, one in five people have an error on at least one of their credit reports, according to a study conducted by the Federal Trade Commission.

Errors on credit reports range from inaccurate personal information like a phone number or address, to more serious errors like accounts incorrectly flagged as overdue or overdue. This is of concern because late payments stay on credit reports for seven yearsand can negatively impact credit ratings.

Credit scores, in turn, are used by lenders to determine your eligibility and interest rate for a mortgage, credit card or vehicle. Essentially, the three-digit number ranging from 300 to 850 paints a picture of your credit risk, or how likely you are to repay a loan. Lower interest rates can equal tens of thousands of dollars saved over the life of a loan like a mortgage.

For this reason, checking your credit report frequently for errors can potentially save you money and potentially prevent you from being hounded by collection agencies.

To access your credit report, you can go online to the Experian, Equifax or TransUnion websites or log on to to request your free weekly credit reports.

“Credit reports play an important role in financial health, and providing free weekly reports to consumers is another way to support the financial education and stability of people across the United States during this critical time,” they said. said the CEOs of credit bureaus in the joint statement.

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