Article Bookmarked
Bookmark Removed

Free weekly credit reports are available through the end of 2023.


Oct. 10, 2022 CNBC

Your credit score can make or break your ability to open a credit card or buy a new car or home at attractive interest rates.

To boost your score, you need to know where you need to improve.

Keeping tabs on your credit report — which outlines your debts, bill payment history and other financial information — can help you do that.

The three major credit reporting agencies — Equifax, Experian and TransUnion — recently extended the availability of free weekly credit reports to consumers through the end of 2023. By law, consumers are entitled to one every 12 months from each agency, but that during the pandemic, the companies expanded access to weekly free checks.

The reports are available at the Annual Credit Report website.

“We always recommend once a year, at least, to always check your credit report at annualcredit report.com,” said Trent Graham, program performance and quality assurance specialist at GreenPath Financial Wellness, a nonprofit providing free debt counseling services.

While the free credit report you’ll get won’t show your credit score, it can offer clues in terms of how to boost that number. You can access your credit score by paying for it from one of the three credit reporting agencies, or access it for free from your credit card company if it offers the perk.

In terms of credit scores, anything in the 700 range or above is generally “pretty good,” Graham said. The closer your score gets to the high 700s or 800s — approaching popular scoring models’ perfect score of 850 — the better off you’ll be, he said.

The national average credit score recently reached an all-time high of 716, according to FICO.

Your credit score may vary slightly by provider.

Read More on CNBC

Gene Upshaw Player Assistance Trust Fund

Apply Today

All Resources

Tell Me More

How to Dispute Mistakes On Your Credit Report

Do your research and know who to connect with.

Read More

These 5 tricks will help you spend less this holiday season

You don't have to choose between spending a lot or skimping on gifts this year.

Read More

The Fed did it, again.

How another supersize rate hike may shake up your finances.

Read More

What is an Adjustable-Rate Mortgage?

When does it make sense to choose an ARM?

Read More

Your Values Can Be Compromised When You're Under Stress

Here's How to Get Them Aligned Again

Read More

Green vs traditional Mediterranean diet

Which is best for burning internal (visceral) fat?

Read More

Why We All Should Get Screened for Anxiety

The importance of diagnosing and treating anxiety.

Read More

9 Ways To Make Divorce Easier On Kids

Divorce is hard on everyone involved. But it can be especially tough on kids

Read More