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» Graphics version | | | Obtain Your Free Credit Report | | | | In December 2003, President Bush signed the Fair and Accurate Credit Transactions Act of 2003 (H.R. 2622), which included provisions enabling consumers to request one free credit report within a 12 month period from each of the major credit reporting agencies: Equifax, Experian, and Trans Union.
The Federal Trade Commission (FTC) finalized regulations in June 2004 that phased in availability of consumers to request credit reports through the Annual Credit Report Request Service. Access to free reports will be phased in based on region over a nine-month period, beginning December 1, 2004. For more specific information from the FTC, click HERE
Beginning Dec. 1, 2004, consumers in California and the Western States are eligible to request a free credit report online, over the phone, or by U.S. mail.
To obtain a copy of your credit report:
Online: Visit www.annualcreditreport.com.
Consumers would receive the credit report immediately.
By Phone: 1-877-322-8228.
Credit reports will be processed and mailed within 15 days.
By U.S. Mail:
Credit reports will be processed and mailed within 15 days of receipt.
Send request to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
You will need to provide your Name, Address, Social Security Number, and Date of Birth. If you haved moved within the last two years, you may also need to provide your previous address. Each individual credit reporting agency may ask for additional information for identification verification.
Identity Security:
You will not receive an email or phone call confirming or requesting your personal information.
If at an time you receive an email or pop-up ad saying it is from www.annualcreditreport.com or any of the three credit agencies, DO NOT reply or click in the message. It is likely an identity theft scam, at which point you should lodge a complaint with the Federal Trade Commission. |
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