How Can I Get a Free Credit Report?
The Fair Credit Reporting Act (FCRA) entitles everyone to one free credit report from each of the national credit bureaus: Equifax, Experian and TransUnion. The free credit report can be ordered from each bureau once per 12-month period. You can request your free credit report online, over the phone or through the mail. If you request it online, you will be able to view your report instantly. Otherwise, you will have to wait up to 15 days before the report is mailed to you.
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Instructions
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Gather your personal identification information. You will need to know your Social Security number, birth date, current address and, if you have lived at your current address for less than two years, your previous address.
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Go to the Annual Credit Report website (see resources) to order your free credit report online. After entering your identifying information, you will have to select which credit bureaus you want to receive your free credit report from.
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Call 877-322-8228 to request your free credit report over the phone. The operator will verify your identity and you should receive your free credit report through the mail within two or three weeks.
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Print and complete the free credit report request form (see resources) and mail it to the address below to request your free credit report by mail:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Your credit report will be mailed to you within 15 days of receiving your request.
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