By law, the three credit reporting agencies- Equifax, Experian and TransUnion- are each required to provide you with one credit report each year at no cost. This means that you can run your report for free up to three times a year (once with each reporting agency). The best way to do this is to set a schedule for running a report every four months- for example, Equifax every January, Experian every May and TransUnion every September. This ensures you will always have the most current and accurate picture of your credit. To request your free credit report, click here.