Request a Free Annual Credit Report from FTC

When you apply for any type of loan, the creditor will seek for a copy of your credit report. Generally, there’s no way of telling which report the lender will access. Before applying for a loan though, it’s advisable to request a copy of your report from all one or all three companies to check for accuracy. You can do this through Federal Trade Commission.

About Federal Trade Commission

Founded in 1914, Federal Trade Commission (FTC) is under the jurisdiction of the American federal government. It’s an independent agency with a mission to promote and uphold consumer protection and eliminate and/or prevent any anti-competitive business practices at the same time. FTC’s headquarters is located in Washington, DC and, as of 2011, has over 1,130 workers.

How to Request a Free Annual Credit Report from FTC

Anyone can get a free copy of their credit report yearly. If you need to get another copy, any of the three credit report companies may have to charge you a reasonable amount of money. To get it free, follow the steps below:

  • Go to the FTC Consumer Information page (check related link below).
  • Read the valuable information posted on the page. Once finished, look for the Annual Credit Report link (check related link below). Click on the link. It will direct you to the Annual Credit Report homepage.
  • Look for the “Request Your Free Credit Reports” link and then click it.
  • The next page will give you the three steps on how to get your credit reports. Read each step and then click the “Request Your Credit Reports” link below. The link will direct you to another page.
  • You need to fill out the form provided. Personal information like your complete name, Social Security Number, current and previous addresses are required.
  • There is a Captcha security check so you have to type the characters you see in the field box below the character box. Then, click “Next.”
  • On the next page, choose which credit reporting company you want to get your copy from. You can request from one or from all three companies. These are Equifax, Experian, and TransUnion. Then, click “Next.”
  • Before the final submission, there is a list of questions that you need to answer. Some of these questions are difficult and you may need to have your records handy to answer them correctly. They’re meant to be hard to secure your account information and protect your privacy.
  • Once all the questions are answered, “Submit” your request.

If there’s no problem with your credit report and the credit report companies don’t need any additional information to verify your identity, you can immediately access your report online.

Helpful Links:

FTC Consumer Information Page:

Annual Credit Report Website: