Free Credit Report

Managing your credit means more than just paying your bills on time. You should also monitor your credit report to make sure that the information is up to date and accurate

Want a Free Annual Credit Report?

Be sure to visit the only official website: annualcreditreport.com

An amendment to the Fair Credit Reporting 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. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report.

Many other websites claim to offer "free credit reports," "free credit scores," or "free credit monitoring." These sites are not part of the official annual free credit report program. And in some cases, the "free" product comes with strings attached.

These sites often look like the official site at annualcreditreport.com. Some use terms like "free report" in their names; others have website names that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these "imposter" sites direct you to other sites that try to sell you something or collect your personal information.

If you want to order your free annual credit report online, carefully type in the name: annualcreditreport.com. Once you have filled out certain information at annualcreditreport.com, you will be directed to individual websites operated by the three nationwide consumer reporting companies. You may get offers to buy additional products or services while on the companies' websites, such as credit scores or credit monitoring products, but you are not required to make a purchase to receive your free annual credit reports.

If you get an email or see a pop-up ad claiming it's from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message – it's probably a scam. annualcreditreport.com will NEVER send you an email solicitation for your free annual credit report, use pop-up ads, or call you to ask for personal information.

To order your report at annualcreditreport.com, you must provide your:

  • name
  • address
  • Social Security number
  • date of birth

If you have moved in the last two years, you may have to give your previous address. To maintain the security of your file, each nationwide consumer reporting company also may ask you for information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information. That's because the information each company has in your file may come from different sources.

To Order Your Free Annual Credit Report visit: annualcreditreport.com
Call toll-free: 1-877-322-8228
Mail your completed Annual Credit Report Request Form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281