How to Find Your Credit History Report

Finding your credit history report is convenient when it comes to the Internet. You can also get access to your credit report via more traditional routes, such as in person or via mail. Thanks to the 2003 Fair and Accurate Credit Transactions Act, finding your credit history report is also free.

Things You'll Need

• Internet access
• Phone (optional)
• Envelope and stamp (optional)

Instructions

1. Go online to the Annual Credit Report website (see Resources). Due to the Fair and Accurate Credit Transactions Act of 2003, you are authorized to receive a free copy of your credit report from each of the major credit reporting agencies every year.

2. Call [phone]. Your personal information can then be verified over the telephone and your credit history report will be mailed to you.

3. Request your credit report by mail. Once you go to the website, you will see a link to request the form by mail.

4. Click the link and download the request form.

5. Fill the form out and mail to:Annual Credit Report Request ServiceP.O. Box 105281Atlanta, GA 30348-5281

Tips & Warnings

• Allow 2 to 3 weeks for delivery of your credit report if you choose to order by phone or mail.

• Be sure to spell the web address correctly. URL's with similar spelling exist to try to get consumers to pay for the credit report.

Resources

• AnnualCreditReport.com