How to Obtain a Free Credit Report

Consumers are entitled to free credit reports from the nationwide credit reporting agencies-Equifax, Experian, and TransUnion- through the official centralized source, AnnualCreditReport.com.

Currently, consumers can obtain free credit reports weekly through this service.

To obtain your free credit reports, you can:

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

Additional Free Credit Reports

Victims of Identity Theft

In addition to regularly available free reports, consumers who believe they are victims of identity theft are entitled to additional free credit reports.

To request these reports, contact the credit reporting agencies directly. You may be asked to provide documentation, such as an Identity Theft Report filed through identitytheft.gov or other supporting information.

When Credit is Denied

Consumers are also entitled to a free credit report if their application for credit, insurance, or employment is denied based on information in a credit report.

• The notice you receive will identify the credit reporting agency used
• You must request your free report within 30 days of receiving the notice

Avoiding Scams

Consumers should be cautious about scams involving credit reports.

• AnnualCreditReport.com is the only authorized centralized source for free credit reports
• The credit reporting agencies will not send unsolicited emails asking for sensitive personal or financial information
• Emails or messages requesting such information should be treated as suspicious