Be wary of other sites with similar names that may charge fees or require "free trials". Request methods: Online: Visit AnnualCreditReport.com for immediate access. Phone: Call 1-877-322-8228 .
Use the Annual Credit Report Request Form and mail it to P.O. Box 105281, Atlanta, GA 30348-5281. Frequency of Access
AnnualCreditReport.com is the by federal law to provide free reports from the three major bureaus: Equifax, Experian, and TransUnion.
Getting a free credit report is a legally protected right for all U.S. consumers, designed to help you monitor your financial health and catch errors or identity theft.
Currently, all three bureaus offer free weekly reports online through AnnualCreditReport.com .
Federal law guarantees at least one free report from each bureau every 12 months.
Many experts suggest rotating your requests (e.g., one bureau every four months) to monitor your credit year-round. Free Credit Reports - FTC Consumer Advice
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