There’s Only One Way to Get a Free Credit Report

There’s Only One Way to Get a Free Credit Report  

Want a Free Annual Credit Report?

The Fair Credit Reporting Act requires each of the “Big Three” nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion) to provide you with a free copy of your credit report every 12 months. Prior to the Fair Credit Reporting    เครดิตฟรี   Act a credit report could set you back nearly $10 each.

A credit report will include information on where you live and have lived in the past, how you pay your bills and whether you’ve been sued or arrested. It may list your current or past employers. It will also show if you have filed for bankruptcy. Equifax, Experian and TransUnion, along with other agencies, make a profit by selling the information in your report to creditors, insurers, employers, and other companies who will use it to appraise your for credit to make a major purchase, buy insurance, get a job or rent a house or apartment.

If you do a search under “free credit reports” you will get hundreds of results from companies who would love to sell you a credit report or ongoing credit monitoring. These sites are impostors whose real scheme is to snag people who may think they are looking at the official site for free credit reports. In fact, many of these sneaky sites are actually operated by Experian, Equifax and TransUnion themselves so that they can charge you for the same thing you are entitled to get for free.

While there may be times that you need to buy a report or it may be appropriate to use credit monitoring services, most of us just need to take a look at our credit report once a year to ensure there are not inaccuracies.

If you do get your free credit report under the Fair Credit Reporting Act this year it’s important to note that the reports will not be sent automatically next year. You’ll need to make a new request each year that you wish to receive a new one.

There are a few exceptions to the 12 month rule. Under the law you’re entitled to receive a free report if you are turned down for a loan, job, insurance, etc. because of your credit. In that case you can ask for your report within 60 days of receiving notice of the action. All companies have to inform you if they will be checking your credit and often you can request a copy of whatever they receive simply by checking the appropriate box on the application. You can also get a free report if you reside in one of the states that already offers free credit reports from each credit-reporting agency (Colorado, Georgia, Maine, Massachusetts, Maryland, New Jersey and Vermont) or you’re applying for unemployment or receive public assistance.

Here’s how to request your copy of your credit report.


The Federal Trade Commission (FTC) has established a website ( to order your free annual credit report online. This is the one and only authorized website to get your free credit report under the provisions of the Fair Credit Reporting Act. This website is legitimate and is absolutely free. If you are on a website and it asked for a credit card you are either in the wrong place or you are paying for additional services offered by one of the three credit reporting agencies. is a great resource if you only need a copy of your credit report every 12 months.

Go to:

By Phone:

Call 1-877-322-8228

By Completing an Annual Credit Report Request Form

This form is available online at Once you complete the annual credit report request form you will mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

By Contact the Agencies Directly:

While the FTC does not recommend you request your report directly from each individual agency, it is possible to do so.

First of all, fair warning, the credit bureaus change their mailing addresses to request a credit report by mail all the time. Apparently they do not like written requests or mailing full reports because (obviously) it is more labor intensive and expensive to send a printed copy via snail mail. But many people like to have a “hard copy” directly from the credit bureaus in their hands. Before you use any of the addresses below please double check on the official websites (also below) to confirm the mailing address. There are often several mailing addresses listed for different departments or services so be sure you are sending your request to the correct address to request a free copy of your annual credit report. Remember, regardless of how you request your credit report the same once-every-12-month rule applies.

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