As of 2015, individuals may obtain a free credit report by submitting a request through Annualcreditreport.com or calling 877-322-8228, states the Federal Trade Commission. One may also complete an annual credit report request form and mail it to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281.Continue Reading
In compliance with the Fair Credit Reporting Act, all three nationwide credit reporting agencies, which include Equifax, Experian and TranUnion, provide one free credit report to individuals per year, upon request, according to the FTC. One may order reports from each agency simultaneously or request them individually over the course of several months. A credit report includes information concerning a person's address, bill and credit payments, and lawsuits or bankruptcies. Creditors, insurers, employers and other businesses use credit reports to evaluate applications for their services.
Information necessary to request a credit report includes name, address, Social Security number and date of birth, notes the FTC. For security reasons, each credit reporting agency may ask for information to verify identity at the time of the request, such as the amount of a mortgage payment.
Annualcreditreport.com is the only website authorized to fill orders for free annual credit reports, states the FTC. There are many impostor sites that attempt to sell products or collect personal information. The nationwide credit reporting agencies do not call for information or request it through email.Learn more about Credit & Lending