Free Weekly Credit Reports Extended Until April 2022

The Federal Trade Commission has announced that the three major credit bureaus have agreed to extend the benefit of free weekly credit reports until April 20, 2022. The benefit began during the COVID-19 pandemic as a way to help consumers monitor their credit during an uncertain time.

Here’s more from the FTC:

April 2022

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March 16, 2021

by

Cathlin Tully

Attorney, Division of Privacy and Identity Protection

If you’re feeling anxious about your financial health during these uncertain times, you’re not alone. That’s why the three national credit reporting agencies, which last year gave people weekly access to monitor their credit report for free, are extending that benefit until April 20, 2022.

This is some helpful news, because staying on top of your credit report is one important tool to help manage your financial data. Your credit report has information about your credit history and payment history — information that lenders, creditors, and other businesses use when giving you loans or credit.

Now it’s easier than ever to check your credit more often. That’s because everyone is eligible to get free weekly credit reports until April 20, 2022 from the three national credit reporting agencies: Equifax, Experian, and Transunion. To get your free reports, go to AnnualCreditReport.com.

If you’re one of the many Americans struggling to pay your bills right now because of the Coronavirus crisis, here’s what you can do:

  • Contact the companies you owe money to. Ask if they can postpone your payment, put you on a payment plan, or give you a temporary forbearance.
  • Check your credit report regularly to make sure it’s correct — especially any new payment arrangements or temporary forbearance. The CARES Act generally requires your creditors to report these accounts as current.
  • Fix any errors or mistakes that you spot on your credit report. Notify the credit reporting agencies directly. You can find out more by reading Disputing Errors on Credit Reports.
Photo by Stephen Phillips — Hostreviews.co.uk on Unsplash

For more on consumer protection issues, follow Andy Spears

Writer and policy advocate living in Nashville, TN

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