Every year, you can request a free credit report from Experian, Equifax, or TransUnion.

Learn about credit reports and consumer protection.

Request Free Credit Reports

Online

Request free credit reports.

By Mail

Download the Annual Credit Report Request Form. Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

By Phone

  • Agency: Federal Trade Commission
  • Division: Annual Credit Report
  • Phone Number: (877) 322-8228
  • Business Hours: 24 Hours

The three nationwide consumer reporting agencies are Equifax, Experian, and TransUnion. They can be contacted online or by phone.

Online

By Phone

  • Agency: Equifax
  • Phone Number: (800) 525-6285
  • Business Hours: Mon - Fri: 9:00 AM - 5:00 PM

  • Agency: Experian
  • Phone Number: (888) 397-3742
  • Business Hours: Mon - Fri: 9:00 AM - 5:00 PM

  • Agency: TransUnion
  • Phone Number: (800) 680-7289
  • Business Hours: Mon - Fri: 9:00 AM - 5:00 PM

The FACT Act is a United States federal law, passed by the United States Congress.

This act allows you to request a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion).