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:,
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

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

To inform consumers about their states 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