In the United States, an individual can receive a free annual credit report from any of the three nationwide credit reporting agencies, Equifax, Experian, and TransUnion, by calling 877-322-8228, states the Federal Trade Commission. Federal law requires each agency to provide one free credit report once every 12 months.
Consumers may also visit AnnualCreditReport.com, which is the only website authorized by the federal government to distribute official credit reports, according to the Federal Trade Commission. Individuals may also send a Credit Report Request Form to the Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. Consumers may request reports from each agency individually over the course of several months or order all three simultaneously.