How do I request my free credit report?

You can request your free report online, by phone or by mail.  

You have the option to request all three reports at once or to order one report at a time. By requesting the reports separately, spread-out over time, you can monitor your credit more frequently throughout the year.

What information do I need to provide?

Your name, social security number, date of birth, and all home address(es) for the past two years. For security, you may be asked additional verification questions to which only you would know the answers.

How long will it take to get my report?

If you request online, you should be able to access it immediately. If you request by telephone or mail, it will be processed within 15 days and mailed to you.

Will my credit score be provided for free?

No, your credit score will NOT be provided for free. Before paying for your credit score, consider meeting with a counselor first, to determine a time-frame and plan to improve your credit review, and ultimately, your credit score.

Why should I request my credit report?

Because the information in your credit report is used to evaluate your applications for credit, insurance, employment, and renting a home, you should be sure the information is accurate and up-to-date. In addition, monitoring your credit is one of the best ways to spot identity theft. Check your credit report at least once a year to correct errors and detect unauthorized activity.

Avoid Scams

If you receive an email or a pop-up ad claiming to be from Annual Credit Report or any of the credit reporting agencies, do not reply to it or click any part of it--it's probably a scam. The FTC also wants you to forward us any unsolicited emails you've received offering you a free credit report. Send them to will NEVER send you an email solicitation for your free annual credit report or use pop up ads.

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