1. Go to www.annualcreditreport.com.  Make sure you are trying to get a “report” not a “score”.  The report is free (one per year); however the “score” is not.
  2. Select “Request your free credit reports” and then “Request your credit reports.”
  3. Fill in your personal information (first name, last name, date of birth, social security number, and current address). 
  • If you have not lived at your current address for at least 2 years, you will also need to include your previous address.
  1. Click CONTINUE.
  2. Select each of the three (3) different credit reporting companies (Experian, TransUnion, and Equifax).
  3. Click NEXT.
  4. Click NEXT to continue.  You will be transferred to the Experian website.

EXPERIAN WEBSITE INSTRUCTIONS

  1. Fill in your name and address and create an account.
  2. Then, fill in your date of birth, social security number and phone number.
  3. Answer the questions to confirm your identity and then setup a security question.
  4. Click on the “Print Report” button on the right hand side of the screen
  5. Print the report. Save the report as a pdf through printer options.
  6. Once you have saved and printed your Experian credit report, click on “Get your next report or finish” in red at the top of the screen.
  7. It will ask if you are sure you want to return to AnnualCreditReport.com, click “Return to annualcreditreport.com now.”
  8. Click on “get your next credit report.” You will be transferred to the Transunion website.

TRANSUNION WEBSITE INSTRUCTIONS

  1. Verify that the information displayed is accurate and provide your email and telephone number.  Then click “CONTINUE”.
  2. Select how you want to receive a passcode for added security.  Then click “NEXT”.
  3. Put in the passcode, then click “Verify my identity.”
  4. After your identity is verified, click “Continue” to view your report.
  5. Print the credit report by clicking “Save and Print My Report”,
  6. Save the report by saving as a PDF to your computer.
  7. Once you have saved and printed your TransUnion credit report, click on “Get your next report or finish” in red at the top of the screen.
  8. It will ask if you are sure you want to return to AnnualCreditReport.com, click “Return to annualcreditreport.com now.”
  9. Click on “get your next credit report.” You will be transferred to the Equifax website.

EQUIFAX WEBSITE INSTRUCTIONS

  1. Enter the last 4 digits of your social security number. Click Continue.”
  2. Answer the security questions which are based on information in your file. Click Continue.”
  3. Click on the Get Started link twice.
  4. You will fill out your name, date of birth, social security number, phone number and address.
  5. Click “I am not a robot” and then “Continue.”
  6. Fill out an email and create a password, then click “I accept” the user terms if you agree.
  7. Click “Yes, send me a text” for identity verification.
  8. Fill out the code you receive on the next screen and click Continue.
  9. Click “I accept” to see your report and then “View My Product” on the next screen.
  10. Print and Save Report on a PC by using Ctrl + P and Ctrl + S.
  11. Sign out of the account when you are finished and close all browser windows.
William V. Steffens
Nebraska Personal Injury & Bankruptcy Attorney With 34+ Years Of Experience
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