How to Access an Annual Credit Report

Checking your credit report at least once a year is one of the best ways to protect your credit rating and identity. Creditors occasionally make mistakes, and if they mistakenly report negative information on your profile, this can stop you from getting new lines of credit. Annual Credit Report provides each consumer one free report a year, and there are three ways to access your free report.

Instructions

1

Get a free report online. Go to the official website for Annual Credit Report and submit your personal information to gain immediate access to your free report. This agency provides one report from each of the three major credit bureaus.

2

Call the toll-free number to request your annual report. Dial 877-322-8228 and speak with a customer service representative for Annual Credit Report. State your reason for calling, and then provide the representative with the necessary information to verify your identity.

3

Submit your request for a free report using the postal service. Visit the Federal Trade Commission's website and download a credit report request form. Complete the form and then mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.