Free Credit Report
Why do I want a copy of my credit report?
Your credit report has information that affects whether you can get a loan—and how much you will have to pay to borrow money. You want a copy of your credit report to:
- Make sure the information is accurate, complete, and up-to-date before you apply for a loan.
- Help guard against identity theft. That's when someone uses your personal information—like your name, your Social Security number, or your credit card number—to commit fraud.
To request a free credit report you have three options:
Request your Credit Report Online
It's quick, easy, and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.
http://www.annualcreditreport.com
Request your Credit Report by Phone
You will go through a simple verification process over the phone. Your reports will be mailed to you.
1- 877-FACTACT (toll-free)
Request your Credit Report by Mail
Request your credit report by mail by filling out the request form and mailing it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
