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Free Credit Report

Taking charge of your credit history has never been easier.

Federal law requires each of the three nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months..

A credit report is used by a variety of companies to evaluate your application for credit. It is up to you to make sure your credit report is correct.

You may check your credit report immediately online, by phone or by mail. Allow 15 days for phone or mail requests.

The three nationwide consumer reporting companies have set up one central website, a toll-free number, and a mailing address through which you can order your "Free Annual Report."
Call: (877) 322-8228
Mail to: Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Do NOT respond to any questions by email or phone about your credit report. Such requests are probably a scam. Any questions reporting companies may have will be mailed to you.