FREE Credit Report

Free Credit Report

Thanks to changes to the Fair Credit Reporting Act (FCRA), consumers now have the right to a free credit report once a year from all three major credit reporting bureaus. You may also obtain your credit scores for an additional fee. Depending on what part of the country you live in you can obtain your credit report from all three major bureaus. There are three ways to get a free credit report, by telephone, mail and Internet.

By Mail (for free credit report):

1) Download and print out the request form.

2) mail it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

By Phone (for free credit report):

To request by phone, call 1-877-322-8228.

By Internet (for free credit report):


Direct Information To Other Credit Agencies (NOTE: fees may apply for these agencies)