: This is the only website authorized by U.S. federal law to provide free credit reports from the three major bureaus— Equifax , Experian , and TransUnion .
: You can access reports immediately online or request them by phone at 1-877-322-8228 or by mail. Credit Scores via Private Services :
: Many banks and credit card issuers (such as Chase Credit Journey and Capital One's CreditWise ) offer free score monitoring for their customers.