Free Credit Reports
Everybody should check their credit history to make sure the information is correct and to watch for suspicious activity. Identity theft can wreck havoc on your life. Stay on top of things by requesting a copy of your credit report each year.
The Fair Credit Reporting Act (FCRA) requires that each of the three nationwide credit reporting companies - Equifax, Experian and TransUnion - provide you with a free copy of your credit report upon your request every 12 months. You can request your reports online, via a toll-free phone number or by mail.
Beware of imposter websites! This is the only authorized website to request your credit reports.
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
For more information about getting free credit reports, see the FTC's Your Rights: Credit Reporting page. The FTC website also provides information about Credit Reports & Scoring and Credit Cards & Consumer Loans, among many other consumer protection topics.