How to Obtain a Free Credit Report as a Texas Resident

According to the Federal Trade Commission and the Consumer Credit Counseling Service of South Texas, residents of Texas are eligible, like all U.S. citizens, to obtain a free copy of their credit reports once per year. These free reports are available from each of the major credit reporting agencies: Equifax, Transunion and Experian. Although the ideal place for Texas residents to obtain the report is online, they also also request the form by telephone or mail.

Instructions

1. Visit annualcreditreport.com if you would like to obtain your free credit report online. Select "Texas" from the home page and follow the prompts to retrieve your free credit report. You'll need your full name, Social Security number and address.

2. Call the Annual Credit Report hotline at 1-877-322-8228 if you would like to order your report by telephone. Use either the automated system or speak with a representative to request your free report. It will be sent to you by mail.

3. Download and print the free credit report request form if you wish to request your report by mail. Fill the form out completely and sign it. Mail the request form to:

   Annual Credit Report Request Service

   P.O. Box 105281

   Atlanta, GA 30348

Tips & Warnings

• Telephone or mail requests will take two to three weeks to arrive.

References

• Consumer Credit Counseling Services of South Texas: Free Credit Reports
• FTC: Free Credit Reports