American consumers are now entitled to receive one free copy of their credit report per year from each of the three major credit reporting agencies. Equifax, Experian, and Trans Union are now all required by law to furnish to you a copy of your credit report. This is good news for consumers; please read on for additional helpful information.
As of September 1, 2005, the federal Fair Credit Reporting Act (FCRA) requires that the three national credit reporting agencies provide one free copy of your credit report to you annually. You do not need to contact the three reporting agencies separately to obtain your reports, instead you can order them online at www.annualcreditreport.com; or by calling 877-322-8228; or by completing the Annual Credit Report Request Form and mailing it in.
The mailing address is:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
The online form is available here: www.ftc.gov/credit.
If you need copies more often, you can contact the three reporting agencies and request copies directly from them. You will be charged for any reports over and...
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