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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.

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