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Si estás ansioso acerca de la buena salud de tus finanzas durante esta época de incertidumbre, no estás solo. Es por ese motivo que las tres compañías de informes crediticios que operan a nivel nacional, que el año pasado le permitieron a la gente acceder a sus informes de crédito semanalmente y de manera gratuita para monitorearlos, están extendiendo ese beneficio hasta diciembre de 2023.

Esta es una noticia favorable, porque vigilar de cerca tu informe de crédito es una herramienta importante para manejar tus datos financieros. Tu informe de crédito tiene información sobre tu historial de crédito y pagos — los datos que usan los prestadores, otorgantes de crédito y otros negocios para extenderte crédito o préstamos. 

Ahora, revisar tu informe de crédito con más frecuencia es más fácil que nunca. Eso se debe a que hasta diciembre de 2023 todas las personas son elegibles para recibir informes de crédito gratuitos semanalmente de parte de las tres compañías de informes crediticios del país: Equifax, Experian y Transunion. Para obtener tus informes de crédito gratuitos, visita AnnualCreditReport.com.

Si eres uno de los muchos estadounidenses que están luchando para pagar sus facturas en este momento debido a la crisis causada por el coronavirus, puedes hacer lo siguiente:

  • Comunícate con las compañías a las que les debes dinero. Pregunta si pueden posponer tu pago, incluirte en un plan de pagos o concederte una tolerancia de pago temporal.
  • Revisa tu informe de crédito con regularidad para asegurarte de que es correcto — controla especialmente cualquier nuevo acuerdo de pago o de tolerancia de pago temporal. La Ley CARES establece que tus acreedores deben reportar esas cuentas como al día.
  • Corrige cualquier error o inexactitud que detectes en tu informe de crédito. Notifica directamente a las compañías de informes crediticios. Para más información lee Disputando errores en los informes de crédito.

Encuentra más información y recomendaciones sobre cómo manejar el impacto financiero de causado por el coronavirus y suscríbete para recibir las alertas para consumidores de la FTC.

Actualizado el 26 de septiembre de 2022 para reflejar la extensión de los informes de crédito semanales gratuitos.

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Puede que usemos rutinariamente dichos registros cómo se describe en el sistema de avisos publicados. Para más detalles sobre qué hace la FTC con la información personal que recolectamos, por favor lea nuestra política de privacidad.

El propósito de este blog y su sección de comentarios es informar a los lectores acerca de la actividad de la Comisión Federal de Comercio (FTC) y compartir información con los lectores para ayudarlos a evitar, reportar y recuperarse del fraude, las estafas y las malas prácticas comerciales. Valoramos sus opiniones, ideas e inquietudes y alentamos los comentarios. Pero tenga presente que este es un blog que está bajo moderación. Revisamos todos los comentarios antes de publicarlos y no publicaremos comentarios que no cumplan con nuestra política de comentarios. Esperamos que los comentaristas traten a los redactores del blog y entre sí con respeto.

  • No publicaremos comentarios fuera de tema, comentarios idénticos y repetidos, ni ningún comentario que incluya promociones de venta.
  • No publicaremos comentarios que incluyan mensajes vulgares, ataques personales que mencionen nombres, o términos ofensivos dirigidos contra personas o grupos específicos.
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  • No publicaremos comentarios que incluyan información personal, como números de Seguro Social, números de cuentas, domicilios residenciales y de email. Para presentar un reporte detallado sobre una estafa, visite ReporteFraude.ftc.gov.

No editamos los comentarios para eliminar el contenido objetable, así que asegúrese de que su comentario no contenga ninguno de los contenidos mencionados anteriormente. Los comentarios publicados en este blog pasarán a ser de dominio público. Para proteger su privacidad y la de otras personas, por favor, no incluya información personal. Las opiniones de los comentarios publicados en este blog pertenecen exclusivamente a los individuos que las expresan. No pertenecen a la Comisión Federal de Comercio (FTC) ni representan sus puntos de vista.

Consumer
January 21, 2021
At what date will the credit reporting agencies cease to provide the free weekly updated credit reports? Also, is there any push to extend that current date out further or make the free weekly updates permanent?
FTC Staff
March 16, 2021

En respuesta a por Consumer

The three credit reporting companies have extended the offer of free weekly credit reports past April 2021. Go to www.annualcreditreport.com to get your reports.

AmyW
May 13, 2022

En respuesta a por FTC Staff

Does that use up your 3/year after this? Or will the clock be reset?
suzette
January 29, 2021
Fraudulent activity is being used in my name as we speak . For California unemployment insurance. I’m getting the texts for the claimants.
FTC Staff
March 16, 2021

En respuesta a por suzette

You can report that to www.IdentityTheft.com. There is a link for Unemployment Insurance Identity Theft on the home page of the website that takes you directly to the reporting page.

crobbins26
February 23, 2021
I have tried for over 5 years to get my credit report from this company with no success. They ask if I have been living at my current address for less than 2 years, I say yes. They then take the last address before that and use it as my current address. I answer my questions accurately. I have never leased or bought a car on payments, that is easy. They ask what country i lived in in 2000 also easy, san diego county, then they ask about a relative owning property or living in reno, I see one name I know, and give that. then they say, sorry, we cannot verify your information. What the heck? I don't know for sure where that relative lives because she is no longer a relative. She was a sister in law. What the heck? They ask a question that does not apply to me. Then when I call their phone verification number, the robot does not understand 830 s 4th st. I kid you not. It kept asking me to repeat it, then asked me to say it with the number street name city state and zip code. If it didn't understand 830 s 4th st how will it understand the whole enchilada? It asked me what report(s) I said all of them, said you said -then names all three i say yes. They hang up without another word. I don't know if I was successful or not. Very Aggravating to say the least. Sometimes I think they just like messing with me.
Don't use your…
March 04, 2021
When it became obvious that I was in a practiced dodge loop I suggested I was recording the conversation. Whee, game on. Now why wouldn’t they want their information recorded? Seems like everyone else wants that. ( Do check the laws in your state about telephone recording ).
In dc
March 06, 2021
Equifax isn’t providing me my free report online as required by law. So not only did they lose everyone’s information they are not meeting the intent of the law.
beverly0807
March 16, 2021
Equifax asks a bunch of questions that are difficult if not impossible to answer before they will let you know if you can have the credit report online, such as, what credit card account did you open in November 2018. Who can remember the date they opened a credit card account? And if your info doesn't match what they have, they tell you to submit a WRITTEN request for a credit report. WOW. Way to not help consumers.
Jco.vializ
March 16, 2021
Juan: The problems that I saw is that every year the companies that we dispute appeared again and the verdict agencies took 23 points out of our record and than to get in back is a big issue. I feel like we as a costumer do not have protection and the help we need. I feel that is unfair the way those credit agencies treat us.
Garush
March 16, 2021
Used to obtain the three years ago. Last couple of years never got the Experian one, even with multiple requests. This time on the computer got this message: The system is unable to complete your request.
julesvernWI
March 16, 2021
I went thru the process, only to be told I have to fill out more forms as they cannot send emailed reports. What a WASTE OF TIME! These companies will never make it easy to get reports on the data about us that we never agreed to. When is our government going to do something for We The People instead of the Corporations????
Mike's wife
March 16, 2021
When my husband died, the funeral home gave me paperwork to submit with a death certificate to turn off his credit. 2 of the companies wrote back they couldn't do it. The 3rd one sent me a condolence letter and said they would notify the other two. I do not trust these companies. As others said, the ftc needs to keep an eye on them. Sadly probably works like the do not call list
consumer
March 17, 2021
Thank you;. I get emails at l east once a week asking me to purchase an upgrade for credit reports from both Experian and Equifax.
Karthik
March 17, 2021
How to fix a error which happened few years ago. One of my cable provider wrongly reported that I didn't pay the bill of $72, while I paid bit late as I have not received their notification. Other than this I have 100% clear payment history with all bills and credit cards.
JQ
March 17, 2021
It doesn't help me that it's free...they keep denying me access to any of my credit reports. This has been going on for years. Most of the time I can't answer the security questions correctly because they don't pertain to me and now eventhough I've lived at the same address for more than 2 years they say they can't verify if I'm who I say I am so they want me to request them by mail but I don't want them to send them by mail because I was supposed to receive them by mail 2 other times and never received them.
Pedsnurse06
March 20, 2021
Can't retrieve my credit report from Equifax! I get an error message that tells me I have to call them. I seem to see a lot of the same complaint from people about that. What is the FTC doing to fix this?
Rich
March 20, 2021
TransUnion fails to set "current address" correctly in all cases, as filled out in www.annualcreditreport.com. Current address has been lived at for fewer than 2 years, tested in Chrome and Safari.
DJDAM
March 21, 2021
Why the heck is California EDD promoting these companies they need too be worried about paying people that are out here with nothing pathetic
FTC input
April 29, 2021
I recommend requesting a report by US mail and state exactly what you want...I do not understand sending an email address!
Karma
April 30, 2021
how do you actually get the free weekly reports from these companies?
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