How do I get a free copy of my credit report?

How do I get a free copy of my credit report?


By law, each of the nationwide consumer reporting companies, Equifax, Experian, and TransUnion, must provide a free copy of your credit report, at your request, once every 12 months. You can access this program in one of three ways:

• Go to http://www.annualcreditreport.com; or
• Call 1-877-322-8228; or
• Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. You can download the form with instructions at http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt156.pdf.

For a complete list of the ways that you can your credit reports and scores, ask for our Credit Resource Article: Pulling Your Credit Reports & Scores.


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