How to Request and Get a Free Credit Report
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How and
where
to get a free
credit report whether
you have
bad credit or good credit.
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Free Credit Report Once Every 12
Months
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You can request a free credit report annually and
not have to pay for it. In 2004,
AnnualCreditReport.com became the centralized
authorized website to offer this service. You'll
receive a credit report from each of the three
nationwide consumer credit reporting companies in
accordance with the Fair and Accurate Credit
Transactions Act (FACT Act).
Request your credit report within a secure online
environment and then view and print. Options to
request your credit report by phone and by mail are
also available.
Your report will normally include the following:
credit inquiries, bankruptcies, payment history,
previous creditors, credit account information,
personal identifying information, and any other
information related to your credit history. |
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You’re Also Entitled to a free
Report In these Situations
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If you've
- Been denied credit because of information in
your credit report. (request within 60 days of
denial)
You’re also entitled to one free report a year
if:
- You receive public assistance
- You're unemployed & intend to apply for a
job within 60 days
- Your report is inaccurate due to fraud
including identity theft
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When requesting a credit report or
filing a credit report dispute, include the
following with your request:
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Full name (including Jr., Sr., II)
Spouse's first name (if married)
Social security number
Current and previous addresses within the last five
years
Current employment information
Telephone number (home)
Date of birth
Signature
Applicable fee |
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Credit Bureaus:
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Equifax Information
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P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493 or
1-800-525-6285
Web: http://www.equifax.com |
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Trans Union
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Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213 or
1-800-680-7289
Web: http://www.transunion.com |
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Experian
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P.O. Box 2104
Allen, TX 75013-2140
1-888 EXPERIAN (888 397 3742)
Web: http://www.experian.com |
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