How many free credit reports are you legally entitled to each year?

You are legally entitled to three free credit reports each year: one from each of the three major credit bureaus (Equifax, Experian, and TransUnion). A consumer’s legal right to three free credit reports per year is a provision of the Fair Credit Reporting Act of 1970. The law also stipulates that if a credit report is used to deny you credit, insurance, employment, or benefits, you are entitled to an extra credit report from that credit bureau.

You can order these free credit reports through the government-sponsored Annual Credit Report program online, by calling 1-877-322-8228, or by mailing a request form. You’ll get your credit reports immediately through an online request, while the other two methods require you to wait 15 days from when your request is received.

In addition to the three free credit reports you are legally entitled to each year, you can get an unlimited number of free reports from one of the free credit report websites not sponsored by the government. These sites give free reports from one or two of the major bureaus, and most update their info on a weekly or monthly basis.

WalletHub, on the other hand, is the only site that offers free credit reports (and scores) that are updated on a daily basis. In other words, WalletHub gives you up to 365 updated TransUnion credit reports for free every year. And you can check them as often as you’d like. You’ll also receive personalized credit analysis, which will tell you what you need to improve, how to do it, and how long it will take.

As a result, we recommend using WalletHub as your go-to credit report site and supplementing it with yearly reports from Annual Credit Report.

According to the Fair Credit Reporting Act (FCRA), an individual can request one free credit report each from the three national reporting bureaus every year. These three bureaus include Equifax, Experian, and TransUnion. 

Source: Federal Trade Commission official website .

As many as you want, really. Annualcreditreport.com gives you one report per bureau once a year, but with WalletHub, or other websites, they'll show you a new one each time they update.

You're entitled to one free credit report per year, from each credit bureau, so 3 in total. You get them through AnnualCreditReport.com. But you can sign up for WalletHub or similar services, and you can get one for no charge, as often as they update.