How to Get Annual Credit Reports and a Credit Score for FREE
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. In addition, some websites such as Credit Karma will provide your Experian credit score for free.
Free Credit Reports
Visit www.annualcreditreport.com 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 Experian 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, www.creditkarma.com.