How to get your reports without paying for them
Federal law guarantees free reports. Knowing the right channel avoids the upsells.
AnnualCreditReport.com is the government-mandated source for free reports from all three bureaus, and the bureaus have kept weekly access available. That's the report — the itemized data — not a score, which is what most paid products are actually selling.
You're also entitled to a free report after an adverse action (a denial based on your credit), if you're unemployed and job hunting, on public assistance, or if you're a victim of identity theft. Pull all three: an item can appear on one bureau and not the others.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.