Free Credit Resources
Access official, government-backed resources to help you understand and improve your credit.
Important Notice
Always use official, government-backed resources when dealing with your credit. Be wary of companies that charge fees for services you can get for free.
Get Your Free Credit ReportsGovernment
The only federally authorized source for free annual credit reports from all three bureaus. Now available weekly.
NFCC: Free Financial CounselingNonprofit
The National Foundation for Credit Counseling offers free and low-cost financial counseling, budgeting help, and debt management programs.
CFPB: Dispute Credit Report ErrorsGovernment
Step-by-step CFPB guide on how to dispute credit report errors under your FCRA rights.
FTC: Free Credit Reports GuideGovernment
FTC guide explaining your right to free credit reports and how to access them.
CFPB Sample Dispute LetterTemplates
Official CFPB sample letter for disputing errors with credit bureaus. Download and customize.
FTC Sample Dispute LettersTemplates
FTC sample letters for disputing errors with credit bureaus and with businesses that reported the information.
NFCC: Find a Nonprofit Credit CounselorNonprofit
Locate a nonprofit credit counseling agency near you through the National Foundation for Credit Counseling.
IdentityTheft.gov: Recovery PlanGovernment
FTC official resource for identity theft victims. Creates a personalized recovery plan and helps dispute fraudulent accounts.
FTC: Credit Freeze GuideGovernment
Free credit freeze is the strongest protection against new account fraud. This FTC guide explains how to freeze all three bureaus.
CFPB: Understanding Your Credit ScoreGovernment
Comprehensive CFPB guide to understanding credit reports and scores, what affects them, and how to improve.
How to Use These Resources
- Start with your free credit reports: Visit annualcreditreport.com to get your free annual credit reports from all three bureaus.
- Review for errors: Carefully examine each report for inaccuracies, outdated information, or fraudulent accounts.
- Understand your rights: Use FTC and CFPB resources to learn about your rights under the Fair Credit Reporting Act.
- File disputes: Use the official dispute processes provided by each credit bureau for any errors you find.
- Monitor regularly: Set up free monitoring through the official channels to track changes to your credit.