How Do I Get My Free Credit Report?

You may already know that you're entitled to a free credit report from each of the three major credit bureaus each year. But there are other circumstances in which you may also qualify for free credit reports. 

AnnualCreditReport.com

One of the ways you can get a copy of your free credit report is by visiting www.annualcreditreport.com . By law, you are allowed to get one free copy of your credit report every 12 months from each of the three major credit bureaus -- Equifax, Experian, and TransUnion. These reports do not include credit scores.

You can also contact the annual credit report service:

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

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, it will be mailed to you within 15 days. If you order it by mail, your request will be processed and mailed to you within 15 days of receipt. 

Meeting Certain Requirements

Another way you can receive a copy of your free credit report from the three major credit bureaus is by meeting one of the following requirements as outlined in the Fair Credit Reporting Act. This law indicates that if you meet one of these requirements, you are entitled to one additional free copy of your credit report during any 12-month period:

  • Persons who are unemployed and intend to apply for employment within 60 days;
  • Persons receiving public welfare assistance;
  • Persons who believe their 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: 

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