Every 12 months, U.S. federal law entitles you to a free copy of your credit report from each of the three credit bureaus. You can pull a report from all three bureaus at the same time, but we suggest you pull one report from each bureau every four months to keep an eye on your credit.
Why It Matters
It’s important to pull your credit report regularly to see that information listed is accurate, including past or current accounts and lines of credit. This enables you to contact creditors about inaccurate information or investigate suspicious activity that may be due to identity theft.
How to Obtain Your Reports
You may request your free credit report online, by phone, or through the mail.
To Access Your Report Online:
To obtain copies of your credit report, visit AnnualCreditReport.com. This is the only official site provided by the U.S. federal government. It is entirely free to use.
To Request Your Credit Report by Phone:
Call 1-877-322-8228. You will be guided through a simple verification process over the phone. Your reports will be mailed to you within 15 days.
To Request Your Credit Report by Mail:
Download the request form at AnnualCreditReport.com. (You'll need Adobe Reader to view the requested form. Download Adobe Reader for free here.) Print and complete the form. Mail the completed form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
You can also request your reports directly from each credit bureau:
- Equifax: https://www.equifax.com/home/en_us
- TransUnion: https://annualcreditreport.transunion.com/
- Experian: https://www.experian.com/