Need a FREE Credit Report?

Remember the FREE Annual Credit Report does not include your credit score, but it is mainly for you to review everything that is in your credit report.



Did you know that under federal law you are able to get a free credit report every 12 months? You see the (FCRA), or Fair Credit Reporting Act requires every major nationwide credit reporting companies such as, Equifax, Experian, and TransUnion to provide you with a free copy of your credit score once every 12 months.

This is a great value, because a credit report includes information such as, how you pay your bills, where you are currently located, whether you have filed for bankruptcy and much more!

Your free annual credit report does not include a credit score. A credit score is an additional service that you can add on while purchasing your credit report.




Why do I want a copy of my credit report? 

Your credit report is essential if you want the right up to date information that allows you to apply for a loan for a major purchase in your life such as a house or a car, or even to apply for a job. Either way your credit report determine how much you are able to borrow based on the information it has within it.


Are there any other situations where I may be eligible for a free report?

You are entitled to a free credit report under federal law if the following occurs. A company takes the following actions against you such as, denying your application for insurance, credit, or employment. If this occurs you can ask for a credit report within 60 day of receiving notice of action. The notice will include the address, name and phone number of the credit reporting company.


Beware of the “Imposter” websites

There is only one single website that is authorized to fill orders for your free annual credit


What information do I need to provide to get my free report?

You will need to provide your name, address, social security number, and date of birth. You may have moved in the last two years, if so you will need to provide you previous address. To keep up the security of your file, each nationwide credit reporting company may or may not ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.



How do I order my free report?

The three major nationwide credit reporting companies (Equifax, Experian, and TransUnion) have set up a central website, as well as a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, please visit, or call 1-877-322-8228. Or you can do it the old fashioned way and complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Do not contact the three nationwide credit reporting companies to order your free report. They are providing free annual credit reports only through, 1-877-322-8228 or mailing to Annual Credit Report Request Service.