Free Credit Reports!

A lot of companies say they offer free credit reports, but only one truly does and is expressly approved by federal law to provide them:

There are a lot of imposters out there, so don’t be fooled… this is the official source.

Consumers are entitled to one free credit report annually year from Experian, TransUnion and Equifax.

Even if you have no intention of borrowing money, it’s good to see your reports. Why?

  • Identity theft protection. If someone has obtained credit in your name, chances are very good that they won’t make the payments, but you can be sure the creditor will come after you to collect. You can do something about it before it causes you a major problem.
  • Credit reports are requested by some companies when a person applies for employment. What they find on that report could impact whether you’re offered a job.
  • Credit reports can be requested by insurance companies before you are approved for insurance or landlords before they will agree to rent to you.

Rather than requesting a report from all three sources at the same time, First Farmers recommends that you stagger your requests. First, order a report from Experian. Four months later, request your report from TransUnion and then four months after that, from Equifax. The order of the companies you request them from really doesn’t matter; just be sure you order a report from a different company every four months. It’s important to request from all three companies because your credit information on one report may not match the others. Differences may not be large, but an unexpected item reported on one could cause a problem when you are applying for credit, employment or trying to obtain insurance or trying to rent an apartment or home.

To pull your own credit report, visit or call 877.322.8228.


Go to First Farmers’ News Page.