Credit Reports

The official website, annualcreditreport.com is the only authorized online source for you to get a free credit report under federal law. You can get a free report from each of the three national credit reporting companies every 12 months. Some other sites claim to offer “free” credit reports, but may charge you for another product if you accept a “free” report.

An amendment to the federal Fair Credit Reporting Act (FACT Act) requires each of the nationwide consumer reporting companies—Equifax, Experian, and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. But there is only one online source authorized to do so: annualcreditreport.com. Beware of other sites that may look and sound familiar.

In order to ensure that you are at the official website, it is best to type the web address into your Internet browser window yourself. Do not click on a link, which may misdirect you to a look-a-like site.

Ordering your free annual credit report:
The three nationwide consumer reporting companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free annual report. To order, go to annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.