Get a Free Credit Report

How can I get a FREE copy of my credit report?

You are eligible for a free copy of your credit report from each of the three major credit-reporting agencies, once per calendar year. You can request your report one of three ways:

What if I’ve Used My Free Credit Report?

If you have already used your free credit reports, you can still request another report, however, there will be a charge for it. (Average fee is $9) You can request a copy of your credit report via mail or phone. If you use the automated attendant, you will need to have a debit card or credit card to pay the processing fee. If you prefer requesting your report via the mail, you will need to include the following information along with your request:

  •  Full Name (including any surnames i.e. Jr. Sr. II or III)
  •  Current Mailing address, including zip code
  •  Proof of current mailing address (Example: current utility bill)
  •  Previous Mailing address (if within the last two years)
  •  Social Security number
  •  Full Date of Birth
  •  Signature

The above typed or printed information can be mailed to the following credit reporting agencies:

Automated request: 866-349-5191
Address: Equifax Information Services
P.O. Box 740241
Atlanta, GA 30374-0241

Automated request: 888-397-3742
Address: Experian
Attention: Consumer Assistance
P.O. Box 2104
Allen, TX 75013

Automated request: 800-888-4213
Address: TransUnion LLC
P.O. Box 1000
Chester, PA 19016

free credit report