Federal law allows individuals to obtain a free credit report from all three credit bureaus once a year at AnnualCreditReport.com, according to USA.gov. As of 2015, the telephone number to call to request credit report copies is 877-322-8228. Individuals who need teletype assistance can call 711 and refer the relay operator to 800-821-7232.
The mailing address to submit a written request for credit report copies is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, Georgia, 30348-5281, advises USA.gov. A completed Annual Credit Report Request form is required with the mailed request. The form is accessible by clicking the Free Credit Report link under the Money & Credit heading on the USA.gov home page.
Credit reports are available for a fee at any time on Equifax.com, notes Equifax. Prices and options are accessible by clicking the View All Products link under the Personal Solutions heading on the left of the home page. Experian.com lists prices and options on the home page.
TransUnion.com has a multi-step process for individuals requesting a credit report copy, as indicated on the website. After clicking the See Yours Today link on the home page, users must provide the full name and street address, date of birth, last four digits of the Social Security number and an email address before continuing with the request.