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Mortgage Answers / Credit & Income
Where Can I Check My Credit Reports for Free?
A clear next step, with no score or approval promise.
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The Short Answer
Use AnnualCreditReport.com for free reports from Equifax, Experian and TransUnion. Free weekly online reports are available. A report shows credit history; it is not automatically a mortgage credit score. Do not send your reports or identity details to WWBT.
1. Use the official free-report service
Go directly to the official free-report service.
Check the web address before entering identity information.
Choose reports from the companies you want to review.
Save the reports privately; you do not need a paid subscription for the free reports.
Open AnnualCreditReport.com (opens in a new tab)Should I Freeze My Credit Before Applying for a Mortgage?
2. Check for genuine mistakes
Use the report to identify a specific correction.
Compare the item with your records and other reports.
Gather copies of supporting information.
Use the genuine-error dispute guide, not a false deletion claim.
3. Keep reports and scores separate
A free report and a lending score are different things.
Review the report for accuracy.
Ask the mortgage lender which score and report information it uses.
Do not treat a consumer app number as a guaranteed mortgage result.
Frequently Asked Questions
Will checking my own report lower my score?
No. Checking your own report is different from applying for credit.
Do I need to buy a score or membership?
No purchase is required to get the free credit reports through this service.