How can I get a free copy of my credit report?
The Fair Credit Reporting Act, or FCRA, allows consumers to obtain one free report from each one of the three major credit bureaus once each year. That equals three free reports a year. You can acquire a copy of your credit report free by contacting any one of the three major credit bureaus, Equifax, TransUnion, or Experian, by phone, online, or by mail. To obtain your free copy of your credit report online, visit the website of one of the three companies. To obtain a free copy by phone, call this toll free number: 1-877-322-8228 and select the bureau from which you are going to request your copy. To obtain your free copy by mail, send a request with your name and address to the following: Annual Credit Report Request Service P.O. Box 105281 Atlanta, Georgia 30348-5281 Tips to Remember • Don’t request all three free credit reports at the same time. • Stagger your requests throughout the year. • Include the name of the credit bureau from which you are requesting your credit report with
