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% Free weekly credit reports just extended through 2023 - what you need to know Tom's Guide Skip to main content Tom's Guide is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Here's why you can trust us.
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% Free weekly credit reports just extended through 2023 - what you need to know Tom's Guide Skip to main content Tom's Guide is supported by its audience. When you purchase through links on our site, we may earn an affiliate commission. Here's why you can trust us.
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David Cohen 3 minutes ago

Free weekly credit reports just extended through 2023 - what you need to know

By Erin Bendi...
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Zoe Mueller 1 minutes ago

Checking your credit report

Checking your credit report regularly is important to identify ...
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<h1>Free weekly credit reports just extended through 2023 - what you need to know</h1> By Erin Bendig published 13 October 2022 The three major credit bureaus have extended free weekly credit reports through 2023 (Image credit: Light And Dark Studio/Shutterstock) Equifax, TransUnion and Experian, the three major credit bureaus, have announced that free weekly credit reports (opens in new tab) will be available through 2023. This is a win for those concerned about their credit history, as they won't have to go back to checking their credit reports for free only once a year. The Fair Credit Reporting Act requires that one credit report a year be free of charge, with any additional reports costing a fee.&nbsp; Since 2020 and the pandemic, however, credit bureaus decided to make credit reports free weekly, and they've recently decided to maintain these free weekly reports through next year.
Chloe Santos Moderator
access_time 2 minutes ago

Free weekly credit reports just extended through 2023 - what you need to know

By Erin Bendig published 13 October 2022 The three major credit bureaus have extended free weekly credit reports through 2023 (Image credit: Light And Dark Studio/Shutterstock) Equifax, TransUnion and Experian, the three major credit bureaus, have announced that free weekly credit reports (opens in new tab) will be available through 2023. This is a win for those concerned about their credit history, as they won't have to go back to checking their credit reports for free only once a year. The Fair Credit Reporting Act requires that one credit report a year be free of charge, with any additional reports costing a fee.  Since 2020 and the pandemic, however, credit bureaus decided to make credit reports free weekly, and they've recently decided to maintain these free weekly reports through next year.
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Joseph Kim 1 minutes ago

Checking your credit report

Checking your credit report regularly is important to identify ...
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<h2>Checking your credit report</h2> Checking your credit report regularly is important to identify and fix errors, which are more common than you think. In fact, in 2021 34% of Americans had errors on their credit report (opens in new tab).
Lucas Martinez Moderator
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Checking your credit report

Checking your credit report regularly is important to identify and fix errors, which are more common than you think. In fact, in 2021 34% of Americans had errors on their credit report (opens in new tab).
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Henry Schmidt 8 minutes ago
This is a major problem, considering it could cause you to be wrongfully denied a line of credit. By...
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Lucas Martinez 2 minutes ago
In turn, this will help you manage your credit better and help boost your overall credit score. Repo...
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This is a major problem, considering it could cause you to be wrongfully denied a line of credit. By being able to check reports weekly, consumers will be able to stay on the lookout for any errors and address them when they arise.&nbsp; Also, by keeping track of your credit reports regularly, you'll be able to see what areas of your credit are considered negative or positive and how you're actions impact your credit directly.
Scarlett Brown Member
access_time 8 minutes ago
This is a major problem, considering it could cause you to be wrongfully denied a line of credit. By being able to check reports weekly, consumers will be able to stay on the lookout for any errors and address them when they arise.  Also, by keeping track of your credit reports regularly, you'll be able to see what areas of your credit are considered negative or positive and how you're actions impact your credit directly.
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Chloe Santos 2 minutes ago
In turn, this will help you manage your credit better and help boost your overall credit score. Repo...
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In turn, this will help you manage your credit better and help boost your overall credit score. Reports can be accessed through AnnualCreditReport.com (opens in new tab), by following the steps below. 1.
Elijah Patel Member
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In turn, this will help you manage your credit better and help boost your overall credit score. Reports can be accessed through AnnualCreditReport.com (opens in new tab), by following the steps below. 1.
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Henry Schmidt 5 minutes ago
Provide information You'll be asked to input personal information, including your full name, Social ...
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Provide information You'll be asked to input personal information, including your full name, Social Security number and home address. From there, you'll be sent a confirmation code, either through email or text, that will be required in order to verify your identity. 2.
Dylan Patel Member
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Provide information You'll be asked to input personal information, including your full name, Social Security number and home address. From there, you'll be sent a confirmation code, either through email or text, that will be required in order to verify your identity. 2.
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Henry Schmidt 2 minutes ago
Choose which credit reports you want Afterwards, you'll be able to pick which credit reports you wan...
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Sophie Martin 2 minutes ago
Your credit report is broken up into sections, in which you'll be able to see your personal informat...
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Choose which credit reports you want Afterwards, you'll be able to pick which credit reports you want (Equifax, Experian, or Transunion) whether it's only one or all of them. 3. Check your report After the above steps are complete, you'll be able to access your credit reports.
Amelia Singh Moderator
access_time 14 minutes ago
Choose which credit reports you want Afterwards, you'll be able to pick which credit reports you want (Equifax, Experian, or Transunion) whether it's only one or all of them. 3. Check your report After the above steps are complete, you'll be able to access your credit reports.
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Thomas Anderson 9 minutes ago
Your credit report is broken up into sections, in which you'll be able to see your personal informat...
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Your credit report is broken up into sections, in which you'll be able to see your personal information, various lines of credit like mortgages and credit cards, any missed payments, public records and hard or soft inquiries on your account. 4.
Daniel Kumar Member
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Your credit report is broken up into sections, in which you'll be able to see your personal information, various lines of credit like mortgages and credit cards, any missed payments, public records and hard or soft inquiries on your account. 4.
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Hannah Kim 4 minutes ago
Fix errors If discrepancies are found on your account, your next course of action will be to file a ...
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Lily Watson 9 minutes ago
Lenders will make decisions on whether to approve loan applications based on the information in your...
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Fix errors If discrepancies are found on your account, your next course of action will be to file a dispute. Getting these errors fixed as soon as possible is important to keep your overall credit in good standing.&nbsp;Equifax disputes (opens in new tab)Experian disputes&nbsp; (opens in new tab)TransUnion disputes (opens in new tab) <h2>Why it s important</h2> Being aware of your credit report, or where errors on your report have occurred, is important for many reasons. For one, your credit report will determine what you're able to borrow.
Sophia Chen Member
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Fix errors If discrepancies are found on your account, your next course of action will be to file a dispute. Getting these errors fixed as soon as possible is important to keep your overall credit in good standing. Equifax disputes (opens in new tab)Experian disputes  (opens in new tab)TransUnion disputes (opens in new tab)

Why it s important

Being aware of your credit report, or where errors on your report have occurred, is important for many reasons. For one, your credit report will determine what you're able to borrow.
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Zoe Mueller 15 minutes ago
Lenders will make decisions on whether to approve loan applications based on the information in your...
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Lenders will make decisions on whether to approve loan applications based on the information in your credit report, so it's important to make sure everything is in good standing or else you stand the chance of being denied. Additionally, credit reports also help determine your credit score, which is another factor lenders look at when you apply for a line of credit. It's how they determine interest rates if you are approved, so having a high credit score is important if you want to save money on your next credit card's APR.
Noah Davis Member
access_time 20 minutes ago
Lenders will make decisions on whether to approve loan applications based on the information in your credit report, so it's important to make sure everything is in good standing or else you stand the chance of being denied. Additionally, credit reports also help determine your credit score, which is another factor lenders look at when you apply for a line of credit. It's how they determine interest rates if you are approved, so having a high credit score is important if you want to save money on your next credit card's APR.
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Charlotte Lee 19 minutes ago
If there are errors you're unaware of on your credit report, this could bring your credit score down...
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If there are errors you're unaware of on your credit report, this could bring your credit score down substantially. Landlords and insurance companies will also look at your credit reports, making decisions on how much your rates or security deposits will be based on payment history. When checking your credit report often, you'll also be able to detect any fraud or theft on your account and fix it as soon as possible.
Ella Rodriguez Member
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If there are errors you're unaware of on your credit report, this could bring your credit score down substantially. Landlords and insurance companies will also look at your credit reports, making decisions on how much your rates or security deposits will be based on payment history. When checking your credit report often, you'll also be able to detect any fraud or theft on your account and fix it as soon as possible.
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Emma Wilson 22 minutes ago
Overall, it's a good idea to check your credit report often, especially since it's now free to do ev...
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Overall, it's a good idea to check your credit report often, especially since it's now free to do every week for the upcoming future.Today's best Headphones dealsReduced Price (opens in new tab) (opens in new tab) (opens in new tab)$119.95 (opens in new tab)$79.95 (opens in new tab)View (opens in new tab)Reduced Price (opens in new tab) (opens in new tab)$99.98 (opens in new tab)$87.99 (opens in new tab)View (opens in new tab) (opens in new tab) (opens in new tab)$89.95 (opens in new tab)View (opens in new tab)Show More DealsWe check over 250 million products every day for the best prices <h2>Be In the Know</h2> Get instant access to breaking news, the hottest reviews, great deals and helpful tips. Erin BendigStaff writer, personal financeErin pairs personal experience with research and is passionate about sharing personal finance advice with others.
Amelia Singh Moderator
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Overall, it's a good idea to check your credit report often, especially since it's now free to do every week for the upcoming future.Today's best Headphones dealsReduced Price (opens in new tab) (opens in new tab) (opens in new tab)$119.95 (opens in new tab)$79.95 (opens in new tab)View (opens in new tab)Reduced Price (opens in new tab) (opens in new tab)$99.98 (opens in new tab)$87.99 (opens in new tab)View (opens in new tab) (opens in new tab) (opens in new tab)$89.95 (opens in new tab)View (opens in new tab)Show More DealsWe check over 250 million products every day for the best prices

Be In the Know

Get instant access to breaking news, the hottest reviews, great deals and helpful tips. Erin BendigStaff writer, personal financeErin pairs personal experience with research and is passionate about sharing personal finance advice with others.
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Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers. <br> More about personal finance When should you spend money from your emergency fund?
William Brown Member
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Previously, she was a freelancer focusing on the credit card side of finance, but has branched out since then to cover other aspects of personal finance. Erin is well-versed in traditional media with reporting, interviewing and research, as well as using graphic design and video and audio storytelling to share with her readers.
More about personal finance When should you spend money from your emergency fund?
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Free weekly credit reports just extended through 2023 - what you need to know Tom's Guide Skip to m...
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