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Free Credit Reports

04/11/2025 | Cash Mortage Services |

How To Get Your Free Annual Credit Reports 

How do I order my free annual credit reports? 

The three nationwide credit bureaus — Equifax, Experian, and TransUnion — have a centralized website, toll-free telephone number, and mailing address so you can order your free annual reports in one place. Do not contact the three credit bureaus individually. These are the only ways to order your free annual credit reports: 

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

Only one website — AnnualCreditReport.com — is authorized to fill orders for the free annual credit reports you are entitled to by law. 

How often can I get a free report? 

Federal law gives you the right to get a free copy of your credit report every 12 months from each of the three nationwide credit bureaus. Through December 2023, everyone in the United States also can get a free credit report each week from each of the three credit bureaus at AnnualCreditReport.com. 

Also, everyone in the U.S. can get six free credit reports per year from Equifax through 2026 by visiting AnnualCreditReport.com. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) that you can get annually at AnnualCreditReport.com. 

Are there other ways to get a free report? 

Under federal law, you’re entitled to a free credit report if 

  • you get a notice saying that your application for credit, employment, insurance, or other benefit has been denied, or another unfavorable action has been taken against you based on information in your credit report. That’s known as an adverse action notice. You must ask for your report within 60 days of getting the notice. The notice will give you the name, address, and phone number of the credit bureau, and you can request your free report from them.
  • you’re out of work and plan to look for a job within 60 days
  • you’re getting public assistance
  • your report is inaccurate because of identity theft or other fraud
  • you have a fraud alert on your credit file

If you fall into one of these categories, contact a credit bureau. Use the contact information below or at IdentityTheft.gov/CreditBureauContacts.