Free Credit Report

You have the right to obtain a free credit report. The Fair Credit Reporting Act has been amended recently to allow you to have a free copy of your credit report once a year from one of the major credit reporting companies: TransUnion, Experian, and Equifax. You also have the right to pay, more than once per year, for additional copies of your credit report so you can monitor your credit. There is only one place to obtain a free credit report.

There are two ways to getting your free credit report. The first is by calling in for a free copy annd the second is by writing in for a free copy. Due to the numerous requests, the three major credit reporting companies have devised one toll-free number for you to get your annual, free copy of your credit report. If you prefer to call in for your free report, simply dial 1-877-322-8228. You can also request in writing by filling in the form at the end of this article and mailing it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

Though you can request from the individual companies themselves a copy of your credit report, it won’t necessarily be free because TransUnion, Experian, and Equifax have joined together to form the central telephone number, and mailing address which will permit you to have your free annual credit report.