The U.S. government requires the three major credit bureaus, Equifax, Experian and TransUnion, to provide consumers with free copies of their credit reports once per calendar year through the website AnnualCreditReport.com. Consumers can opt to receive credit reports from all three bureaus or to view an individual bureau's report.
As an alternative to accessing credit reports through the federally approved website, consumers can write to individual credit bureaus to request their free annual reports, states Equifax. The address for each credit bureau is available on its respective website. The credit bureaus may charge for additional copies requested within the same calendar year, unless there are extenuating circumstances such as a fraud report.