Free Credit Report

How do I obtain a free credit report?

You can obtain a free credit report once a year. To obtain a free credit report:

• call 877-322-8228,
• go online to www.annualcreditreport.com, or
• send a written request to:

Annual Credit Report Request Service
P.O. Box 105283
Atlanta, GA 30348-5283

Free credit report from the three major reporting credit agencies

You can obtain one free report from each of the three main reporting agencies once every twelve months. The free credit report contains the same information as the purchased reports, but does not contain your credit score.

It may make sense to space out your requests for the credit reports from the three different credit reporting companies. For example, get the Experian credit report now and order the Equifax credit report in three or four months, so that you can monitor your credit report in an ongoing way.

If you want to obtain more credit reports

You can obtain additional credit reports from the credit reporting agencies by phone, mail, or online. Additional credit reports are not free. When you request your credit report you will only receive your own credit report. If your spouse would like a credit report, he or she must request it separately. You are not authorized to obtain your spouse’s credit report. If either of you are experiencing credit problems, you should obtain credit reports for both of you so that you can correct all credit errors.

Free credit report if you have been denied credit

If you have been denied credit, employment, rental housing, or insurance based on your credit report, you can obtain a free credit report from each credit reporting agency within sixty days of the denial of credit.