How To Get A Free Copy of Your Credit Report

Each year you can obtain your free annual credit report by doing one of the following:

1. Submit a request online at www.annualcreditreport.com
2. Call toll-free: 877.322.8228
3. Print a copy of the Annual Credit Report Request Form (available to download from www.annualcreditreport.com), complete it and mail to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348.5281
 

You may also be able to obtain a free credit report if:

• Your application for credit, insurance or employment is denied based on information in your credit report.
• You are unemployed and plan to look for a job within 60 days.
• You are receiving public assistance.
• Your report is inaccurate because of fraud, including identity theft.

If you aren’t eligible for a free annual credit report, a credit reporting agency may charge you up to $10 per copy. To purchase a copy of your report, contact one of the following three credit reporting agencies:

1. Equifax: 800.685.1111 or www.equifax.com
2. Experian: 888.EXPERIAN (888.397.3742) or www.experian.com
3. TransUnion: 800.916.8800 or www.transunion.com