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

Request Free Credit Reports

Online

By Mail

Download the . 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, 7 days a week

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: Monday - Friday: 9 AM - 5 PM

Agency: Experian
Phone Number: (888) 397-3742
Business Hours: Monday - Friday: 9 AM - 5 PM

Agency: TransUnion
Phone Number: (800) 680-7289
Business Hours: Monday - Friday: 9 AM - 5 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).

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