Step 1 — Get your free reports
Go to AnnualCreditReport.com — the only federally authorized source. It's free and won't affect your score.
Open AnnualCreditReport.com →
Step 2 — Upload your reports
📄 Equifax
📤
Upload PDF
or drag & drop
✅ Experian
📄 Experian uploaded
Ready for analysis
📄 TransUnion
📤
Upload PDF
or drag & drop
Can't verify online? Call 1-877-322-8228 — they'll mail your reports within 15 days. Keep all three PDFs — you'll reference them throughout the program.