How can I get a copy of my credit report?

The federal government requires that each of the three national credit-reporting agencies—Experian, Equifax, and TransUnion—gives you a free credit report every year. Here's how to get your free report:

• Online, visit AnnualCreditReport.com 
• By phone, call 877-322–8228 
• By mail, write to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Important tips:

• AnnualCreditReport.com also offers Credit Scores for a fee. No purchase is required to get a free Credit Report.
• We suggest ordering 1 credit report every 4 months in order to monitor your credit throughout the year.
• Do not contact the individual credit-reporting agencies. They typically charge for reports when contacted directly.
• Beware of other sites that claim to offer free credit reports. They often charge for another service if you accept the report. These services may come with recurring monthly charges.

Find out about rebuilding credit.