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Free Credit Reports

Consumers throughout the U.S. can order a free copy of their credit report each year, thanks to a new federal law, known as the Fair and Accurate Credit Transactions Act, or FACTA, adopted by Congress in 2003.

How It Works

Consumers can order the free reports by ...

1. visiting www.annualcreditreport.com,
2. calling 877-322-8228, or
3. mailing a standardized form to

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your Credit • CreditReport.com • Free Credit Reports • Equifax • Experian • Trans Union • Consumerinfo • Freecreditreports.com • Certegy • Chexsystems --- News • Feds Spoof Bogus Credit Report Offers • FreeCreditReport.Com Is Far From "Free" • Equifax Settles Consumer Protection Charges in Indiana • Washington Improves Credit Freeze Law • Should You Place A Freeze On Your Credit Report? • How Are You at Managing Your Credit Score? • Consumer Understanding of Credit Scores Remains Poor • TransUnion to Provide Credit Scores to Millions • Class Actions Challenge LifeLock • FreeCreditReport.com Can Get Expensive • Children Becoming Prime Identity Theft Targets • Study: Seniors Not Familiar With Credit Freezes • Feds Propose New Rules for Credit Bureaus • Experian To Offer Credit Freezes To Consumers • Two Credit Bureaus Offer Consumers Credit Freeze in 50 States • No 'Free' Lunch on Credit Report Sites • Insurer Unlawfully Poached Consumers' Credit Reports • ConsumerInfo.Com Settles FTC Charges • Rep. Frank Promises Hearings On Credit Bureaus • PayPal, Equifax Team Up To Offer "Free" Credit Monitoring • Free Credit Reports Available Nationwide Starting Sept. 1 • Marketer of "Free Credit Reports" Settles FTC Charges • Credit Bureaus: Biggest Threat to Your Identity • Escape From Plastic Prison • Experian, ConsumerInfo.Com Named in Class Action Suit • Free Annual Credit Reports Required by Next Year • Big 3 Charged • Trans Union Ordered to Stop Selling Consumer Data • Equifax in Trouble Again

All U.S. consumers will are eligible for one free report per year. Annualcreditreport.com is the only authorized source for consumers to access their credit reports online for free.

To inform consumers about their state’s eligibility and help answer questions they may have about the consumer reporting companies’ new service, the Federal Trade Commission has published a new Facts for Consumers brochure, “Your Access to Free Credit Reports.” The alert explains why it is important for consumers to monitor their credit history, how to request a report and how to dispute any errors.

For more information, visit www.ftc.gov/credit.

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