Credit, Government, Personal Finance 

Request Your Free Credit Reports

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The Fair Credit Reporting Act (FCRA) mandates that consumers are allowed to review their credit report for free every 12 months. This rule covers all consumer reports, to include specialty reports like insurance and check writing. Until the FCRA mandate, you had to pay to see your report!

Initially there is a rollout period so that the three credit unions don’t get clobbered all at once but by now everyone can get a free credit report at

Where To Request Free Credit Report

Here is where you can go to request your free credit report:
Phone: 1-877-322-8228
Address: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

If you’ve never requested your credit report before, I suggest you go through the clearinghouse they’ve setup because you want to check them all for inaccuracies and errors. If you’ve requested them before and fixed all the errors, I would stagger the requests from each of the 3 agencies and get one every 4 or 5 months.

Usually when something appears, it’ll appear on all three reports. By staggering your requests, you get three reports a year at three different points in time so you can essentially get 3 free reports a year. While not foolproof, this is a good way to take advantage of the freebie.

Contact Information for Each Agency:


Phone: 800-685-1111


Phone: 888-EXPERIAN (888-397-3742)


Phone: 800-916-8800

As an FYI, residents of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already get free reports and won’t need to wait for the mandate to be active in their areas.

{ 3 comments, please add your thoughts now! }

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3 Responses to “Request Your Free Credit Reports”

  1. risk says:

    before it becomes national mandate (still in process), the residents of a couple of pioneer states (yes! our state maryland is among them!) can claim free credit report at least once a year. I got mine last year. of course, it’s just a report, no scores

  2. […] to play defense and advertising are looking to capitalize. Like I’ve said in the past, checking your credit report annually is one of the best financial things you can do for […]

  3. HECTOR R. CARMONA says:


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