REMINDER: Three Free Credit Reports Weekly


The three major credit bureaus- Experian, Equifax and Transunion, have all announced that they are offering free credit reports to all Americans on a weekly basis. This gives Americans a way to protect their financial health during the COVID-19 pandemic. The free credit reports will be available on weekly through April 2021.

How to Obtain a Free Credit Report

To get your free credit reports from each bureau, follow these steps:

  1. Go to
  2. Click on “Request your free credit reports.”
  3. Fill out one form to request up to three copies of your credit report.
  4. Choose which reports you want (Experian, Equifax and/or TransUnion).
  5. Answer several questions to verify your identity.
  6. Obtain and review your reports.

Reviewing Your Credit Report

When monitoring your credit report, it is important to keep an eye out for common credit report errors and signs of fraud.

If you do notice any errors on your report, dispute them as soon as you can. The consumer reporting agency is then required to provide the information that you give to them to the creditor who has reported the debt. That creditor must investigate the dispute reasonably and report any inaccuracies. The credit reporters will then provide you with information regarding the investigation and, hopefully, they will correct the inaccuracy.

If they fail to fix the problem then, and only then, can you file a claim against the creditor for placing inaccurate or misleading information on your credit report.

Our firm handles Fair Credit Reporting Act cases on a contingency basis, meaning no attorney fees are owed unless we recover compensation for you. Maginnis Law handles FCRA cases all over North Carolina.You may reach us at (919) 526-0450, by email at, or through our contact page. You can also subscribe to our mailing list to learn about the rights you have under consumer protection law against large corporations.