Everyone is entitled to one free credit report every year from each of the credit reporting agencies. Only one source provides a credit report free of charge.
Three Agencies
There are three credit reporting agencies that compile credit reports: Equifax, Experian and TransUnion.
Online Request
Visit the Annual Credit Report website (see Resources) to request your credit report instantly at no charge.
Phone Request
Call the Annual Credit Report agency at (877) 322-8228 to request a free credit report.
Mail Request
Download the request form from the Annual Credit Report website and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Considerations
Other websites and services advertise free credit reports but require that you sign up for their monitoring service to receive the report.
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