Getting Your Free Credit Report

The U.S. Federal Trade Commission has warned consumers about getting free credit reports from websites that promise people can obtain their credit scores without charges. These websites could be impostors and eventually collects fees after the trial sign-up period has expired. To help consumers avoid this fraud, the government has advised them to obtain their free credit reports only through This website is the only online channel and service officially mandated by the government to help consumers acquire credit monitoring reports without any fee.

Ways to Order a Free Credit Report

As a consumer, you are entitled to get a free copy of your credit report once every 12 months from Equifax, Experian and TransUnion. There are three ways to access your credit scoring reports:

Online--The fastest way to receive your free credit report is through filling out a form on the website. All you need to do is provide all the required personal information online and submit your order.

Phone--Call the toll free number 1-877-322-8228 and provide the information requested by the customer service representative.

Mail--Download and fill out the Annual Credit Report Request form on the same website. Mail it to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Requests by phone and through the mail are mailed 15 days after the application's receipt.

Required Information

When you order a free credit report, you will be required to provide personal information like your complete name, residential address, date of birth and Social Security number. You may also be required to furnish information of payments made on your loans and mortgage and similar financial information.

View all 3 of your FREE Credit Scores

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