Your Annual Free Credit Report Can Be Obtained Only Through AnnualCreditReport.com

AnnualCreditReport.com is the only centralized service for consumers to request annual credit reports. It was created by the three nationwide consumer credit reporting companies -- Equifax, Experian and TransUnion.

AnnualCreditReport.com processes requests for free credit reports. Under the Fair and Accurate Credit Transactions Act (FACT Act) consumers can request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies. AnnualCreditReport.com provides consumers with the secure means to do so.

The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review their credit reports. AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports in a secure Internet environment. They also provide options to request reports by telephone and by mail.

Three ways to order your free credit report

• Website
  Click on www.annualcreditreport.com
  
  
• By Telephone
  Call 877-322-8228 (toll free)
  
  
• By Mail
  Complete the Annual Credit Report Request Form and mail it to:
     Annual Credit Report Request Service
     P.O. Box 105281
     Atlanta, GA 30348-5281
  

Consumer Tips

• The three credit bureaus have established a single service for consumers to use when ordering free credit reports. The contact information for this service is set forth below. Do not attempt to order free credit reports directly from the credit reporting agencies.
  
  
• You will be asked to provide sensitive information in order to receive your report. This is necessary to prevent identity thieves from obtaining copies of other people's credit reports.
  
  
• You may request at the time of ordering that no more than the last four digits of your Social Security Number appear on copies of your credit report.
  
  
• Consider marking your calendar to request a report from a different credit bureau every 4th month. Consumers are recommended to order credit reports as a preventative measure against identity theft and stagger their requests so that they receive a free report from one of the three credit reporting agencies every four months.

NOTE: While every consumer is entitled to get a free credit report from each credit bureau every 12 months, credit scores are not free.