How To Get The Free Annual Credit Report
69Under Federal law you are entitled to a free credit report once a year. This report, by law, will show any and all information contained in the files of the three major credit reporting agencies (Equifax, Experian, and TransUnion). To receive your free annual credit report you must first complete the Annual Credit Report Request Form, which can be completed in any of the following three ways:
- Online- You can request your free copy of the Annual Credit Report Request Form at www.ftc.gov/credit At this site you will also be provided with the option to complete and submit your form.
- By Phone- You may also request your free copy of the Annual Credit Report Request Formvia telephone. The toll free number is: 1-877-322-8228. Allow up to 15 days for delivery of the form.
- By Mail- You may request the form by mail, but just as requesting over the phone, be prepared to wait up to 15 days for it's arrival. Send your request to: Annual Credit Report Request Service - P.O. Box 105281 - Atlanta, GA
Whichever way you choose to request your Free Annual Credit Report, remember you should never pay for a free credit! You are entitled by U.S. law to get your credit report free! No credit card or check required!
Duce Arendell 14 months ago
It's good to know that there is actually a site out there that it really is free to get a copy of my credit report with all 3 scores. I signed up for FreeCreditReport.com a few years ago only to realize later that my credit card was being charged every month for the service. It turns out that the report was free, but unless I cancelled I would be charged monthly for some credit monitoring service crap. I guess it's my own fault for not reading the fine print. But thanks for the info, I'll use the free annual credit report each year to check my credit scores for now on.