You are entitled to your credit report free!

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy
of your credit report, at your request, once every 12 months. A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy.

The national credit reporting companies have established a Central Source through which you request the statutory free annual credit file disclosures. You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the  companies one at a time.

AnnualCreditReport.com is the centralized service for consumers to request annual credit reports.

Options to obtain your report:

Request your Credit Report Online
You can view and print your report online at www.AnnualCreditReport.com, a secure Website. You must enter your Social Security Number to receive a free credit report. The site’s security measures are designed to protect the personally identifiable information you provide from unauthorized access or alteration. To assure that your credit file is disclosed only to you, the nationwide consumer credit reporting companies will authenticate your identity utilizing the personal identification information you provide and then require that you answer certain questions.

 Request your Credit Report by Phone
Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you.

Request your Credit Report by Mail
You can request your credit report by mail by filling out the request form at www.AnnualCreditReport.com and mailing it to:

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