Obtaining Your Credit Report

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer credit reporting agencies—Equifax, Experian, TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. Equifax, Experian, and TransUnion use one web site, one toll-free number, and one mailing address. This combined information resource lets you order a free annual report.

This report does not contain a credit score but provides a detailed summary of your credit history.  To order your free annual credit report online, visit: annualcreditreport.com or call toll-free: (877) 322-8228.

Several options are available to you when ordering your free credit report: you may wish to order your annual reports from each of the consumer reporting agencies at the same time, or you may prefer to stagger your order throughout the year, providing you with a periodic look at your credit status.

In obtaining your report, you will need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you will be required to give your previous address as well. In order to maintain the security of your credit file, each reporting agency will ask for information that only you would know. It’s important to note that the content of your files will vary as each reporting agency pulls its data from different sources.

Where To Contact The Three Major Credit Bureaus


P.O. Box 740241

Atlanta, GA 30374

(800) 685-1111



National Consumer Assistance Center

P.O. Box 2002

Allen, TX


Trans Union

Consumer Disclosure Center

P.O. Box 2000

Chester, PA 19022

(800) 888-4213


Who Can View Your Credit Report

Federal law regulates who can view your credit report. Here’s a list of those who also have access to your file:

• Creditors who make credit inquiries, including home, personal, or installment loans.

• Employers who evaluate you for hiring, promotions, or other employment purposes such as arrests, convictions, or court judgments.

• Government agencies who may be trying to collect child support or if you apply for public assistance.

• Landlords who are making leasing or rental decisions.

• Insurance companies who are looking for medical information or previously filed insurance claims.