Monitoring Your Credit

Each of the three nationwide credit reporting agencies, Equifax, Experian, and Trans Union, will provide you with a free copy of your credit report, at your request, once every 12 months. The three credit bureaus have established one central website, telephone number, and mailing address to use for ordering your report. The credit bureaus will only be providing the free annual reports through this central location, not through their individual websites, telephone numbers or addresses.

Telephone: 877/322-8228

Mail: Annual Credit Report Request Service
P.O. Box 105281Atlanta, GA 30348-5281

You can get a free report from each of the three bureaus once every 12 months. You can get them all at once, or stagger your requests throughout the year. If you request the report on-line, you should be able to view it immediately. Requests via telephone or mail will take approximately 15 days for processing.


Contacting the Bureaus


888-EXPERIAN (888/397-3742)

Trans Union