Question by SCC: How do I obtain a free credit report from each of the major credit bureaus?
I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.
Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?
Best answer:
Answer by Michelle G
http://www.annualcreditreport.com
It’s the law that all 3 give you a freebie every year.
Know better? Leave your own answer in the comments!
You can go to their websites
Experian, TransUnion, and Equifax are the BIG THREE. They have free versions and then they have added features for a fee. If you want to dispute anything – you can do that online as well.
freecreditreport.com
Hi Searcher,
Here’s what you need…
The three major credit bureaus are:
1. Equifax – http://www.equifax.com/
2. Experian – http://www.experian.com/
3. TransUnion – http://www.transunion.com/
By law, the Fair Credit Reporting Act (FCRA) now requires each of the nationwide consumer reporting companies (listed above) to provide you with a free copy of your credit report, at your request, once every 12 months. For more information, read “Facts for Consumers: Your Access to Free Credit Reports” at FTC.gov.
There are three ways to obtain a Free Credit Report under the FCRA:
1. Visit AnnualCreditReport.com (the only authorized site to fill orders for the free annual credit report you are entitled to under law)
2. Call 1-877-322-8228 and request your free credit report
3. Complete the Annual Credit Report Request Form (http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
If you have the need for a second report, use FreeCreditReport.com. Just be sure to cancel your trial membership within 30 days or you’ll be charged $ 12.95/month thereafter.
Hope this helps,
-Ted