If LifeLock requests reports on my behalf, do I still get my 3 free reports per year?

Posted by Caitlin on May 7th, 2009

The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.

Q: Each person is entitled to a free credit report from each of the 3 bureaus each year. If LifeLock requests the reports on a client's behalf, can the client also request a free report from each bureau directly in the same calendar?

A: You are entitled to a free credit report from each of the 3 credit bureaus per year. You can request these free credit reports at AnnualCreditReport.com, which is a central website sponsored by all 3 bureaus. When LifeLock requests credit reports on behalf of its clients, these reports do count toward your limit of one per bureau per year. However, when you purchase a credit report from one of the credit bureaus, or when you recieve free credit reports from credit monitoring services such as  CreditCheck Total, or other identity theft protection services such as Identity Guard, these are unrelated to your 3 free reports and do not count against that limit. If you purchase credit reports or recieve them from a credit monitoring service, you can still request 3 free reports per year from AnnualCreditReport.com.

To learn more about credit report and score services, see our reviews and comparison chart.