Your Rights to Your Free Annual Credit Reports 

Federal law requires each of the three nationwide consumer credit reporting companies — Equifax, Experian and TransUnion -— to give you a free credit report every 12 months if you ask for it. They also make it easy to accomplish many credit-related tasks right from your computer.  

The Federal Trade Commission and the Consumer Financial Protection Bureau sites contain extensive information about credit reports, your rights, and the laws that guarantee these rights. You can learn more about your free reports at the Federal Trade Commission's website and the Consumer Financial Protection Bureau's website. 

To request a free copy of your credit report:   

  • Visit the official website:     

  • Call toll-free: (877) 322-8228 

  • Mail your completed request form to: 
        Annual Credit Report Request Service 
        P.O. Box 105281 
        Atlanta, GA 30348-5281