Knowledge Center

How Do I Get My Free Credit Report?

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Article Highlights

  • You're entitled to a free copy of your credit report every 12 months from the three nationwide credit bureaus by visiting annualcreditreport.com
  • You can request these free annual credit reports online, by phone, or by mail
  • You can get six free copies of your Equifax credit report each year when you sign up for a myEquifax account
  • In addition to receiving a free credit report, you can now also receive your credit report in Spanish from Equifax.com or by calling Equifax Customer Care.

If you want to check your credit reports from the three nationwide credit bureaus — Equifax®, Experian® and TransUnion® — there are several ways. You may already know that you're entitled to a free credit report from each of the three credit bureaus every 12 months.

In addition, you can sign up to receive six free credit reports from Equifax with a myEquifax account.

AnnualCreditReport.com

By law, you are allowed to get one free copy of your credit report every 12 months from each of the three nationwide credit bureaus: Equifax, Experian, and Transunion by visiting www.annualcreditreport.com or by contacting the Annual Credit Report Service via phone or mail:

  • By calling: (877) 322-8228;
  • By mailing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

These reports do not include credit scores.

If you’re sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, date of birth, and telephone number. Or you can fill out the Annual Credit Report Request form on the Federal Trade Commission’s website.

For your protection, you will also need to verify your identity with an acceptable form of identification. Find out more about acceptable forms of identification.

If you request your report online, you should be able to access it immediately. If you order it by phone or by mail, it will be processed and mailed to you within 15 days of receipt.

Please note during COVID until April 20, 2022, you are currently eligible to receive free weekly credit reports online through www.annualcreditreport.com.

myEquifax™

When you create your myEquifax™ account, you'll receive six free Equifax credit reports, based on Equifax data. You can get six free copies of your Equifax credit reports each year when you sign up for a myEquifax account.

Free Credit Report In Spanish

Additionally, ​​Equifax is the first and only credit bureau to offer a free, translated credit report in Spanish online and by mail. There are two ways to request your Spanish credit report, online or by phone.

To receive your credit report in Spanish, you can visit: www.equifax.com/micredito or call Equifax customer service 888-EQUIFAX (1-888-378-4329) and press option 8 to begin requesting your free credit report in Spanish. Our Customer Care is available between 9:00 AM and 9:00 PM ET, Mon-Fri; 9:00 AM and 6:00 PM ET, Sat-Sun. When you request your Equifax credit report in Spanish by phone you will receive it in the mail.

Meeting certain requirements

Under the Fair Credit Reporting Act, you are entitled to one additional free copy of your credit report during any 12-month period if you meet one of the following requirements:

  • You are unemployed and intend to apply for employment within 60 days;
  • You receive public welfare assistance;
  • You believe your credit report contains inaccurate information due to fraud.

You are also entitled to a free copy of your credit report if you meet these requirements:

  • You have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days.
  • You have placed a fraud alert on your credit reports.

If any of these situations apply to you, you can request your additional free copy of your Equifax credit report:

  • Online at Equifax.com/FCRA
  • On our automated phone line: (800) 685-1111. Hours are 7:30 a.m. – 1:30 a.m. ET.
  • By mail to: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.

If you’re sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, and date of birth. For your protection, you will also need to verify your identity through an acceptable form of identification. Find out more about acceptable forms of identification

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