Find Answers to Your Credit Questions
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Do you have a question about consumer credit? You may find an immediate answer by using the search engine. If you can't find what you're looking for, please fill out the form, being as specific as possible.
Please note: The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future column.
Get Credit Report
Your credit report is available from a variety of sources, most conveniently through the Internet. Often, there are useful tools you can purchase with the report that can give you insight into your creditworthiness. You can get a credit report from Experian at no charge under the following circumstances:
- Once every 12 months as required by the Fair and Accurate Credit Transactions Act (FACT Act).
- If you certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
- If you believe you’re a fraud victim or are at an increased risk of fraud.
- Whenever your request for credit, insurance, employment or rental housing is denied based on information received from Experian, if you contact us within 60 days of the denial.
- If “adverse action” was taken against you based on information in your credit report (e.g., your interest rate was raised).
There is a nominal fee for additional credit reports if you already have received a free report under the FACT Act or do not meet the criteria for a free report as described above. Some state laws provide free credit reports or reduced prices. To purchase a copy of your credit report, visit our Web site at www.experian.com/reportaccess or call 1 888 EXPERIAN.
- Experian Connect tool ideal for small property management companies
- Free credit reports under FCRA and FACT Act
- Free report for loan declination does not restart clock for FACT Act free report
- Getting a business credit report
- Getting a free credit report after being declined
- Getting a free report when your application is declined
- Getting four years of credit history for a new employer
- Getting your free annual report will not hurt your credit scores
- Getting your personal report is the first step in getting help
- It is safer and faster to get your credit report online
- Prisoners can get a free credit report
- Recent college graduate may not have a credit report
- Requesting a free report after application is declined
- When you can get free credit reports
- Where to request your FACT Act report and why to do it online
- You cannot get credit report information for a specific date in the past