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Free Credit Reports

You have the right to access one annual credit report from each of the nationwide credit reporting companies (Equifax, Experian and TransUnion) free of charge each year. You can choose to order free reports from all three nationwide consumer reporting companies at the same time or they may order the reports from each company one at a time. 

Here's how you can get your report:

  • Visit (close your Internet browser after getting your report to ensure that their transaction is secure and their personal information is not at risk.),
  • Call toll-free 1-877-322-8228, or
  • Mail a completed Annual Credit Report Request Form to:

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

This form can be downloaded from or from the Federal Trade Commission (FTC) web site The form can also be requested by calling the FTC's Consumer Response Center at 1-877-FTC-HELP.

Additionally, the FTC has issued two consumer education brochures available online:

"Your Access to Free Credit Reports" 

"Want a Free Annual Credit Report"