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