Get a Free Copy of Your Credit Reports


Your Right to a Free Copy of Your Credit Report

Federal law requires the three nationwide credit bureaus - Trans Union, Equifax, and Experian - provide you a free copy of your credit report every 12 months.  This fact sheet walks you through requesting your credit report.  The website is the only authorized website to provide your credit report for free.

Request Your Credit Report

You can ask for your free credit report from  Make sure you are on this site before ordering your report.  This is the official site, authorized by the Federal government, for you to get your free reports.  You usually can get your report immediately by ordering online.

  1. Go to

  2. Select the Request yours now! link

  3. Click the Request your credit reports button

  4. Follow the steps to

    1. enter your personal information and answer verification questions

    2. select the credit reports (which credit bureaus) you want

    3. review your report

You may also ask for your report by phone or mail, but it may take up to 15 days for you to get it.

To ask for your report by phone call: 877-322-8228.  You will go through a simple verification process over the phone.

To ask for your report by mail, you must download the request form from the website.  Mail the completed form to:

Annual Credit Report Request Service
PO Box 105281
Atlanta GA 30348-5281


Order All Three Reports At Once / Or Stagger Your Requests Throughout The Year

You are entitled to a free copy of your report every 12 months from each of the three major credit bureaus.  But you don’t necessarily need to order your report from all three bureaus at the same time.  The advantage of ordering all three at the same time is that you can compare them.  If you stagger your requests throughout the year, you can monitor changes to your credit on a more regular schedule.






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Deposits federally insured to at least $250,000 by the National Credit Union Administration, a U.S. Government Agency, and backed by the full faith and credit of the U.S. Government.