Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires
each of the nationwide consumer reporting
companies — Equifax, Experian, and TransUnion
— to provide you with a free copy of your credit
report, at your request, once every 12 months.
The FCRA promotes the accuracy and privacy of
information in the files of the nation’s consumer
reporting companies. The Federal Trade Commission
(FTC), the nation’s consumer protection agency,
enforces the FCRA with respect to consumer
A credit report includes information on where
you live, how you pay your bills, and whether you’ve
been sued or arrested, or have filed for bankruptcy.
Nationwide consumer reporting companies sell the
information in your report to creditors, insurers,
employers, and other businesses that use it to
evaluate your applications for credit, insurance,
employment, or renting a home.
Here are the details about your rights under the
FCRA and the Fair and Accurate Credit Transactions
(FACT) Act, which established the free annual credit
Q:	 How	do	I	order	my	free	report?
A: The three nationwide consumer reporting
companies have set up a central website, a toll-free
telephone number, and a mailing address through
which you can order your free annual report.
To order, visit annualcreditreport.com, call
1-877-322-8228, or complete the Annual Credit
Report Request Form and mail it to: Annual Credit
Report Request Service, P.O. Box 105281, Atlanta,
GA 30348-5281. The form is on the back of this
brochure; or you can print it from
ftc.gov/credit. Do not contact the three nationwide
consumer reporting companies individually. They
are providing free annual credit reports only through
annualcreditreport.com, 1-877-322-8228, and
Annual Credit Report Request Service, P.O. Box
105281, Atlanta, GA 30348-5281.
You may order your reports from each of the
three nationwide consumer reporting companies at
the same time, or you can order your report from
each of the compan