How to Get a One-Time Credit Report

Regularly checking your credit report is advantageous for countless reasons. Identity theft and reporting mistakes can lower your credit score, making it hard for you to obtain financing or credit cards. Staying on top of your credit history is the best way to recognize mistakes early. Fortunately, there are quick and hassle-free ways to acquire a one-time credit report.

Instructions

1

Use snail mail to request your report. Draft a letter requesting a free credit report and send this letter to Annual Credit Report Request Services
P.O. Box 105281
Atlanta, GA 30348-5281
Include your name, social security number and address. According to the Federal Trade Commission, this company is the only one authorized to provide consumers with one free report a year.

2

Or you can ask for a report by phone. You can contact Annual Credit Report by phone to request a one-time credit report. The number to call is 877-322-8228.

3

Or you can view one-time credit reports online. One-time credit reports are viewable online if you have Internet connection. Visit Annualcreditreport.com and follow the instructions to order and download your personal credit report.