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Get Your Free Credit Report

Consumers have the right to get a free copy of their credit report once a year under the Fair Credit Reporting Act (FCRA). The three national consumer reporting agencies—Equifax, Experian, and TransUnion—are required to provide you with a free copy of your credit report, at your request, once every 12 months. is the only authorized source to get your free credit report under federal law. Beware of any other sites claiming to offer "free" reports. Through, you may order your reports from Equifax, Experian, and TransUnion at the same time, or you can order your report from each of the companies one at a time.

To request a free copy of your credit report:  

  • Visit the official website:    
  • Call toll-free: (877) 322-8228
  • Mail your completed request form to:
        Annual Credit Report Request Service
        P.O. Box 105281
        Atlanta, GA 30348-5281

Free credit reports requested online through are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.

Frequently Asked Questions