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Did You Know?Did You Know?

Free Credit Report

The Fair and Accurate Credit Transactions Act of 2003 allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting agencies, Equifax, Experian, and TransUnion.

A free website,, was set up by the three major credit reporting agencies to provide free access to annual credit reports.

The FTC warns consumers about using other "free credit report" or "free credit monitoring" sites. These are not part of the legally mandated free annual credit report program and often come with strings attached.

To order a free credit report by phone, call 1-877-322-8228.
To order a free credit report by mail, complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

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consumer, government, laws



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Last updated by harbisons on April 8, 2008


While the Library has verified the information presented in these files in what it considers to be reliable and authoritative sources, it cannot take responsibility for nor guarantee the accuracy of the information presented.