# Credit Report - webcentive

Source: https://www.webcentive.com/creditreport/creditreport.html  
Format: Markdown version of the HTML page (same content, lookups and page chrome left out).

Get your free credit reports from the official source, contact the three credit bureaus, freeze your credit, dispute errors and avoid credit repair scams.  

Each site has quick lookups: who owns it (whois), its history (Wayback Machine), a safety check, and one-tap questions to AI helpers. Grok asks you to tap Send first.  
Links last checked Oct 11, 2026.  

- **Free official credit reports**
- [annualcreditreport.com](https://www.annualcreditreport.com/) - AnnualCreditReport.com - the only official site for free credit reports from all three bureaus, now free every week (phone 1-877-322-8228)
- **The three nationwide credit bureaus**
- [equifax.com](https://www.equifax.com/) - Equifax (also offers extra free reports; paid monitoring is optional)
- [experian.com](https://www.experian.com/) - Experian (free report and score; paid plans are optional)
- [transunion.com](https://www.transunion.com/) - TransUnion (free report; paid plans are optional)
- **Credit freezes and identity theft**
- [equifax.com/credit-freeze](https://www.equifax.com/personal/credit-report-services/credit-freeze/) - Equifax credit freeze (free)
- [experian.com/credit-freeze](https://www.experian.com/help/credit-freeze/) - Experian credit freeze (free)
- [identitytheft.gov](https://www.identitytheft.gov/) - IdentityTheft.gov - FTC identity theft reports and recovery plans
- [transunion.com/credit-freeze](https://www.transunion.com/credit-freeze) - TransUnion credit freeze (free)
- **Your rights, disputes and scams**
- [consumer.ftc.gov](https://consumer.ftc.gov/articles/free-credit-reports) - FTC: Free credit reports, and how to spot fake "free report" sites
- [consumer.ftc.gov/disputes](https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports-0) - FTC: Disputing errors on your credit reports yourself, for free
- [consumerfinance.gov](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/) - Consumer Financial Protection Bureau - credit reports and scores, and complaints
- **Credit scores (free and paid)**
- [creditkarma.com](https://www.creditkarma.com/) - Credit Karma (free TransUnion and Equifax data; paid by ads and card and loan offers)
- [myfico.com](https://www.myfico.com/) - myFICO (paid FICO score plans from FICO)

Number of links: 13  
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