Financial Health

How to get a FREE Credit Report



  • The same website is used to access all three major credit bureaus: Equifax, Experian, and TransUnion.
  • By law, a free credit report from EACH bureau is available every 12 months.
  • If a company takes adverse action, such as denial of credit, insurance or employment, a free credit report can be requested within 60 days.
  • Reports from all three bureaus do NOT have to be requested at the same time.
  • There are optional protection services available for a fee through all three credit bureaus, but they are NOT required to have access to the free credit report.
  • All three agencies charge a fee to view the credit score, but there might be other resources, such as credit card companies, that supply the score for free.
  • Once the free credit report has been accessed, it can be viewed for 30 days.  It can also be printed.
  • This site can easily be accessed from our Online Security web page.
  • Consumers can opt out of pre-approved credit card offers by logging on to www.optoutprescreen.com.

Telephone Number:


  • The same phone number is used to access all three major credit bureaus.
  • Personal and identifying information are required to authenticate the caller’s identity.

Mailing Address:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281


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