Free Weekly Credit Reports Extended


The three major credit bureaus, Equifax, Experian, and TransUnion said in a statement that they will continue to offer consumers free credit reports on a weekly basis until December 2022 because of the ongoing COVID-19 pandemic.

The reason for the extension is because of the still-present need for consumers to have the key to their financial information.

How to Access Your Credit Report

  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 Reports

When monitoring your credit reports, it is important to keep an eye out for common 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 information on your credit report.

Our firm handles Fair Credit Reporting Act (FCRA) cases on a contingency basis. Maginnis Howard handles FCRA claims all over North Carolina.

You can reach our firm’s FCRA attorneys by phone 919.526.0450 or by email at