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How to Request Credit Report Under Credit Reporting Act

by Hope Cammareri
  • Overview

    The Fair Credit Reporting Act (FCRA) allows you to receive one free credit report from each of the three major consumer reporting agencies every 12 months. You can request this report from Equifax, Experian and TransUnion via a single Web site, toll-free number or mailing address. The report can be viewed online or you can receive a printed copy through the mail.
 
  • Step 1

    Log on to annualcreditreport.com , the only Web site authorized by the Federal Trade Commission to distribute free annual credit reports. There are many misleading impostors, so make to go to the right site.
  • Step 2

    Identify which state you live in; then fill-in your name, address, date of birth, Social Security number and whether you have lived at your current address for more than two years. If you have not lived at your current address for more than two years, be prepared to list your prior address, including the ZIP code.
  • Step 3

    Answer tricky questions correctly. Each consumer reporting agency asks unique questions identifiable only by you. The questions are typically multiple choice and might ask who financed your student or home loans; or the amount of your monthly car or house payment. Other questions could involve identifying an old employer, address or even phone number. You'll be taken to each of the consumer reporting agencies Web sites successively and individually, and then return to the annual credit report Web site after you view each of the agencies' reports.
  • Step 4

    Print your credit report if possible. Accessing it again at a later date within the year could cost money.
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  • Social Security number
  • Social Security number
  • You might not be allowed to view your free credit report online. This can happen for a variety of reasons, including answering a question incorrectly. If this happens, the credit reporting agency should present links, which will allow you to request your free credit report by mail. Keep in mind that this problem might just occur with one agency and not another, so continue on your quest to request your free credit reports. Free annual credit reports can be obtained by calling (877) 322-8228. You can request an application or mail a completed application to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 Download a printable application: http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf
  • You might not be allowed to view your free credit report online. This can happen for a variety of reasons, including answering a question incorrectly. If this happens, the credit reporting agency should present links, which will allow you to request your free credit report by mail. Keep in mind that this problem might just occur with one agency and not another, so continue on your quest to request your free credit reports.
  • Free annual credit reports can be obtained by calling (877) 322-8228.
  • You can request an application or mail a completed application to:
  • Annual Credit Report Request Service
  • P.O. Box 105281
  • Atlanta, GA 30348-5281
  • Download a printable application: http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf
  • If you apply for your free annual credit report online, beware that all three credit reporting agencies will try to sell you a product, such as credit monitoring, your FICO or credit score, or debt analysis. You do not need to purchase any of these products to receive your free credit report. Look closely and you'll see that each of the reporting agencies has a link that enables you to continue to your report without purchasing anything. Annualcreditreport.com, Experian, Equifax and TransUnion will never send you an email asking for personal information. Only impostors will ask for this information.
  • If you apply for your free annual credit report online, beware that all three credit reporting agencies will try to sell you a product, such as credit monitoring, your FICO or credit score, or debt analysis. You do not need to purchase any of these products to receive your free credit report. Look closely and you'll see that each of the reporting agencies has a link that enables you to continue to your report without purchasing anything.
  • Annualcreditreport.com, Experian, Equifax and TransUnion will never send you an email asking for personal information. Only impostors will ask for this information.
  • USUnited States

References & Resources