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Free Credit Reports in Wisconsin

Free Credit Report Access

You are entitled to access your credit report for free, from each of the major credit bureaus. You can make this free request once a year, from each of the three major credit bureaus. This right to free access is one conveyed by the Fair Credit Reporting Act.

Where do I get my free report?

You can request your free credit report online, or in the mail. There are many sites that promise to provide a “free” report, but there is only one official site that consumers should use. (

Where is my free score?

While there's a federal law that give you free reports, there is no requirement for the credit bureaus to give you a free credit score. But that's ok, as that free report will still allow you to review the report for accuracy (or signs of identity theft). There is no need to pay the extra money/fees for your credit score – it can change on a daily basis.

What if I want my report more often then once a year?

If you want a copy of your credit report more then once a year, there are some options. First, you can rotate when you pull your free reports – because there are three major credit bureaus. For example, you pull from Bureau #1 in January, Bureaus #2 in May, and Bureau #3 in September. This would keep you on an even rotation all year long. This allows you to “check” on your credit health 3 times a year.

There are a variety of fee-based companies that provide regular credit reporting information and updates. You have to decide if those services are worth the recurring monthly charges. Some major credit card companies offer free credit reports as another source.

Will this hurt my score?

If you're pulling a copy of your “free” annual credit report, there will be no impact on your credit score. So check those reports, dispute any incorrect information, and keep an eye on your credit history.

I don't understand the information on my credit report! 

If you've never reviewed a credit report, the information can be confusing and almost impossible to read. That's why we offer free consultations to review and understand the information on your report. 

During our initial consult, we'll go over a few items:

  1. Your credit reports (you'll need to provide these in advance of the call).
  2. How to dispute inaccurate information
  3. Tips for credit improvement

Will this Cost Me Anything?

 Our initial consultations (including reviewing your credit report) are always free. Feel free to contact us to schedule an appointment. We offer free online scheduling for appointments. 

We provide representation in credit report cases in Wisconsin, including Racine, Kenosha, Green Bay, Appleton, the Fox Valley, Milwaukee, West Allis, Waukesha, Walworth County, Dane County, Madison, La Crosse, Eau Claire, Superior, Ashland, and anywhere in-between. 


The DeLadurantey Law Office, LLC is committed to answering your questions about Vehicle Repo's, Credit Report/Identity Theft, Auto Fraud, and Debt Collection Abuse law issues in Wisconsin.

We offer free consultation and look forward to discussing your case. Contact us today to schedule an appointment.

DeLadurantey Law Office, LLC
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