How to Request a Copy of Your Credit
Report (For Free)

Under federal law, you are entitled to a copy of your credit report annually from all three credit reporting agencies – Experian, Equifax, and TransUnion – once every 12 months.

 

Through December 31, 2023, Experian, TransUnion, and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.

 

Here’s how to get your credit report from AnnualCreditReport.com:

• 💻 Online: Visit AnnualCreditReport.com

• ☎️ Phone: 877-322-8228

• 📮 Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281

 

You are also entitled to a free credit report in some other circumstances.

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• If you experience an “adverse action” – like being denied credit, insurance, or employment – because of your credit.

• If you have reported fraud and believe it may be reflected on your credit report.

• If you are unemployed and expect to apply for employment within 60 days.

• If you are receiving public welfare assistance.

• If you have successfully disputed a credit report entry.

• If your state law provides for a free credit report for other reasons.

 

Here’s how to contact the credit bureaus by mail.

 

Experian - P.O. Box 4500, Allen, TX 75013

Equifax - P.O. Box 740256, Atlanta, GA 30374-0256

TransUnion - P.O. Box 2000, Chester, PA 19016-2000

 

These addresses are used primarily for sending credit dispute letters by mail.