How to Pull Your Credit Report through the Federal Trade Commission’s Website

Maintaining a healthy credit score is crucial for financial well-being. One way to stay on top of your credit status is by regularly checking your credit report. In this step-by-step guide, we will walk you through the process of pulling your credit report through the Federal Trade Commission’s (FTC) website. This free service allows you to obtain detailed credit reports from the major credit bureaus, enabling you to review your financial information for accuracy and identify any suspicious activities. Let’s get started!

Step 1: Accessing the FTC’s Website

  1. Open your preferred web browser and visit
  2. On the homepage, click on the “Request your free credit reports” button.

Step 2: Filling Out the Request Form

  1. On the next page, click on the “Request your credit reports” button.
  2. Complete the form with your legal name, birth date, Social Security number, and current address.
  3. If you have lived at your current address for less than two years, provide your previous address as well.
  4. After entering the required information, click “Next.”

Step 3: Selecting Credit Bureaus

  1. You will now see a screen where you can select the credit bureaus from which you wish to obtain a credit report.
  2. It is recommended to choose all three bureaus (Equifax, Experian, and TransUnion) to review your reports thoroughly.
  3. Select each credit bureau by checking the respective boxes.
  4. Once you have made your selections, click “Next.”

Step 4: Verifying Your Identity with TransUnion

  1. For demonstration purposes, let’s consider the example of TransUnion.
  2. After submitting your information and selecting TransUnion, you will be redirected to TransUnion’s page.
  3. Review the personal information displayed and provide your email address and phone number.
  4. Ensure that the email address and phone number you provide are associated with your identity, as TransUnion uses this information for verification purposes.
  5. Once you have entered the required information, click “I accept and continue.”

Step 5: Identity Verification

  1. TransUnion will now proceed to verify your identity.
  2. Choose the text message option to receive a security code via SMS.
  3. Agree to the terms and click “Send passcode.”
  4. Retrieve the security code from the text message and enter it on the verification page.
  5. Click “Verify my identity” to proceed.

Step 6: Accessing Your Credit Report

  1. Upon successful verification, you will be directed to the screen displaying your credit report.
  2. The initial section will include the file number, date created, and personal information.
  3. Use the available tabs to navigate different sections of the report for a comprehensive review.

Step 7: Downloading and Saving Your Credit Report

  1. To ensure you have a physical copy of your credit report, it is recommended to download and save it as a PDF.
  2. Click the “Save and print my report” button.
  3. Follow the prompts to download the report onto your computer or device.
  4. Save the file in a secure location for future reference.
  5. After downloading, you can choose to either retrieve your next credit report or finish the process.

Step 8: Reviewing and Taking Action

  1. Take the time to thoroughly review your credit reports from all three bureaus.
  2. Check for any discrepancies, inaccuracies, or suspicious activities.
  3. If you come across any errors, it is essential to address them promptly.
  4. Consider disputing inaccuracies by following the appropriate procedures. You may consult an attorney or use templates available on their website as a starting point.

Regularly checking your credit report is an important aspect of maintaining financial health. By following the steps outlined in this guide, you can access your credit reports through the Federal Trade Commission’s website, enabling you to review your financial information for accuracy and identify potential issues. Remember to download and save a copy of each report for your records. If you encounter any difficulties or have further questions, don’t hesitate to seek professional assistance. Ensure that your credit remains in good standing, and enjoy the peace of mind that comes with staying informed about your credit status.

We hope this guide has been helpful in navigating the process of pulling your credit report through the Federal Trade Commission’s website. If you have any further questions, feel free to reach out for assistance.