How to Get Free Annual Credit Reports

The law requires each of the major nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to give you a free copy of your credit report every year if you ask for it.

Visit or call 1-877-322-8228, a service created by these three companies, to order your free credit reports each year. You also can write: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Free Credit Score
Please note that your free yearly credit reports WILL NOT contain your credit score. You may obtain a free Experian credit score through the web site Credit Karma,

Request a Free Credit Report