Federal law allows you to claim a free copy of all three of your credit reports from Equifax, TransUnion, and Experian once every 12 months. To exercise this right, visit AnnualCreditReport.com. 3.

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You can request them at the official website for that purpose: AnnualCreditReport.com. If you find any errors, you have a right to challenge them, and the credit bureau is required to investigate.