Free Annual Credit Report

Published 01/26/2005 02:01:00 PM | Updated 08/15/2014 04:08:00 AM

How do request a free annual credit report?


An amendment to the Federal Fair Credit Reporting Act (FCRA) provides consumers access to a free copy of their credit report. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.

You may request  your credit report from each of the three nationwide credit reporting companies, Equifax, Experian and TransUnion, at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

You can request  your credit report online at:

You can also request your report
By phone:
Call toll-free 1-877-322-8228. You will go through a simple verification process over the phone. Your reports will be mailed to you within 15 days; allow 2-3 weeks for delivery.

By mail:
Download the PDF request form at:

Print and complete the form, and mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Your reports will be mailed to you within 15 days; allow 2-3 weeks for delivery.

The list of Frequently Asked Questions about credit reports is at:

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