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All you have to do is enter your personal information to confirm your identity, then the website will lead you through the process of viewing all 3 of your credit reports individually at each credit reporting bureau’s respective website.

You can either view all reports at once, or you can stagger them over a period of 12 months, then start the process over again at that point.

I personally like to view all three at one time so I can compare them, but many people prefer to access just one every 4 months so they feel like they are keeping a closer eye on their credit. For more specific info on this topic, read my full review of Annual Credit While accessing your credit reports is completely free at – your credit scores are not included with the annual credit report offer, and will cost extra from each of the “big 3” reporting companies.

After you have viewed all 3 of your credit reports from that site, and you still want a free credit score, I suggest signing up for for a credit monitoring service called Free Scores And More – which does include your 3 free credit scores with your free trial.

Good-faith compliance with this commentary affords a creditor protection under section 706(e) of the Act. Under Appendix D to the regulation, any person may request an official interpretation.

Interpretations will be issued at the discretion of designated officials and incorporated in this commentary following publication for comment in the Federal Register.

Need a free credit report, but don’t want to to enter your credit card information, or sign-up for one of those “free trials” to get it?

To do this, click the blue broken page icon in your browser address bar (example below).

In fact, if you find yourself needing to enter your payment info to view your reports, you are at the wrong website! If you are not sure if you are at the correct website, check and make sure the website address specifically starts with “

The site is designed to give every US resident free and easy access to their credit report from all 3 agencies, once every 12 months, from a central source.

[Table of Contents] [Previous Page] [Next Page] [Search] Supplement I to Part 1002— Official Interpretations Following is an official interpretation of Regulation B (12 CFR Part 1002) issued by the Bureau of Consumer Financial Protection. 1601 Section 706(e) of the Equal Credit Opportunity Act protects a creditor from civil liability for any act done or omitted in good faith in conformity with an interpretation issued by a duly authorized official of the Bureau.

References are to sections of the regulation or the Equal Credit Opportunity Act (15 U. This commentary is the means by which the Bureau of Consumer Financial Protection issues official interpretations of Regulation B.

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