Inputs and assumptions this product uses
- • Do not impersonate AnnualCreditReport.com or any bureau
- • Uses official-source links and retrieval dates in the guide
- • Avoid credit-score improvement promises
Credit · guide · live
Free Credit Report Guide
Explain the official path to request credit reports and what to do after reviewing bureau files.
Built for consumers checking credit reports, disputes, freezes, and identity-risk workflows.
Educational information only. Not credit repair, legal advice, or an official government or bureau service.
What this will help you decide
The official access path must be visually distinct from affiliate or education links.
The guide should explain bureau-by-bureau timing and follow-up actions.
Live workflow uses official links and retrieval dates instead of screenshots that can drift.
What will not be included
- • Educational information only. Not credit repair, legal advice, or an official government or bureau service.
- • The browser does not run calculator math or own financial assumptions.
- • No partner or commercial routing can change the product output.
Official-source workflow
Open the free credit report workflow
No identity fields are collected. The API returns official access steps and source links.
This workflow does not collect sensitive identity details. It asks the backend for official-source steps and links only.
Sources and effective dates
References are part of the product surface.
Launch status
This product is available now.
Live workflow backed by the PolicyWorkspace planning-tool API with official CFPB and AnnualCreditReport.com references. Live tools return source records, assumptions, warnings, effective dates, and generated timestamps from the backend planning-tool API.