Annual Credit Report

Your credit report matters. Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.

Federal Law allows you to:

  • Get a free copy of your credit report every 12 months from each credit reporting company.
  • Ensure that the information on all of your credit reports is correct and up to date

How do I order my free report?

The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order:

  1.  Visit annualcreditreport.com
  2.  Call 1-877-322-8228
  3.  Complete the Annual Credit Report Request Form and mail it to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. 

*Update: Starting in 2020, everyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That's in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at annualcreditreport.com

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