Free credit report walkthrough · 5 minutes
Pull your free report — by federal law, no card required.
You're entitled to a free credit report from each of the three bureaus every week through 2026 (FTC policy). The official site is annualcreditreport.com — the only one mandated by Congress. Skip anything that asks for a credit card.
Open annualcreditreport.com
The site is run jointly by Equifax, Experian, and TransUnion. Federally mandated. No card, no trial, no upsell.
Open in new tab →Fill in your info
Name, address, DOB, SSN. Each bureau asks 2–4 multiple-choice 'authentication' questions about your credit history (e.g., 'Which of these is a previous address?'). Have your current and previous addresses ready.
Request all 3 bureau reports
On the request page, check all three boxes. You'll get one PDF per bureau. If a bureau says it can't authenticate you online (common), it'll mail it within 15 days — for now, run Mend's audit on whichever bureaus did work.
Save each PDF to your phone or laptop
On each report page, click 'Download PDF' or 'Print to PDF.' Save them somewhere you can find them in 30 seconds. Then come back here and drop them in.
Heads up
Some bureaus will fail to authenticate you online (especially if you've moved recently or have a thin file). That's normal — they'll either ask for additional documents or mail the report. Don't pay anyone to "expedite" this. Mend's audit works on whatever bureaus you can pull today.