How to to obtain your FREE Annual Credit Report

The Fair and Accurate Credit Transactions Act (FACTA) gave the three main credit reporting agencies an obligation: to create a mechanism that allows consumers free access to their credit report annually. With that in mind, Equifax, Experian, and Trans Union joined forces and created AnnualCreditReport.com

Difficulty: Easy

Instructions

1. There are three ways to obtain your government mandated credit report. The easiest and the most popular is going to www.AnnualCreditReport.com and following the on screen instructions.

2. You can request your FREE credit report by phone. All you have to do is call 1-877-322-8228. You will go through a simple verification process over the phone.

3. Lastly you can request you FREE credit report via mail. You first will need to go to https://www.annualcreditreport.com/cra/requestformfinal.pdf and download the mail in form. To view this file, please make sure you have Adobe viewer to view and print the document. Then mail the completed form to:
   
   Annual Credit Report Request Service
   P.O. Box 105281
   Atlanta, GA 30348-5281

4. Obtaining your credit report and credit score used to be difficult and costly. Now because the United States government mandated that the three major credit bureaus make it FREE to every American once every year.

Tips & Warnings

• If requesting your FREE credit report via mail, please remember your reports will be mailed to you within 15 days and allow 2-3 weeks for delivery.