FREE Annual Credit Reports, Update! The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies Equifax, Experian, and TransUnion to provide you with a free copy of your credit report, at your request, once every 12 months.
Free credit reports includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.
Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
It is easy to get copies of your records from those credit bureaus that have a report on you. Here are the addresses of the 3 major nationwide credit reporting bureaus that may have a credit file on you.
P. O. Box 2002
Allen, TX 75013-2002
P. O. Box 1000
Chester, PA 19022-1000
P. O. Box 740241
Atlanta, GA 30374-0241
Write, call, or visit online all three of these major credit reporting agencies, requesting a copy of your free credit reports. In your letter be sure to include your full name, current address, previous address, Social Security number, and date of birth.
Call the bureau first, as each one may require additional information. With the letter enclose a check for the proper amount (call to verify the exact amount required). Credit bureaus typically charge under $10 to issue a credit report the price may vary by state.
There are circumstances when you are entitled to a free copy of your credit report. For example, if you have received a credit rejection within the past 60 days, you may enclose a copy of the rejection to the credit bureau listed on the rejection letter and demand the bureau provide a free copy of your credit report.
Request a free credit report based on a credit denial using the Request for Free Credit Report form, by phone or online.
The major credit bureaus will also supply credit reports free of charge to:
The larger credit bureaus allow you to order your credit report by phone, using a credit card or online.
If you have changed your address, this can also create problems in the recording of your credit history.
To order your free credit reports from one or all national consumer reporting companies, visit: www.annualcreditreport.com
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Disclosure: I am an independent Credit Repair Cloud™ Affiliate, not an employee. I receive referral payments from Credit Repair Cloud. The opinions expressed here are my own and are not official statements of Credit Repair Cloud.