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Credit reports and scores

How do I get a copy of my credit report?

Visit AnnualCreditReport.com to get a free copy of your credit report from the nationwide credit reporting companies. You can receive a free credit report from each once every 12 months. You can also order your free credit report:

  • By phone: Call 877-322-8228
  • By mail: Download and complete the Annual Credit Report Request Form and mail it to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

No matter which method you choose, you have the option to request reports from the nationwide credit reporting companies all at once or one report at a time. By requesting the reports at the same time, you can determine whether any of your files have errors. By requesting the reports separately, you can monitor your credit files more frequently throughout the year.

Your free credit report does not include a credit score. You can purchase your score directly from the credit reporting agencies and scoring companies. However, it’s important to check your credit report to make sure the information is accurate because your credit score is based on the information in your credit report. It’s also important to note that the score you purchase may not be the same as the one lenders use to decide whether to give credit.

You are also eligible for free reports from some of the specialty consumer reporting companies.

Tip: Be cautious of websites that claim to offer free credit reports. A number of these sites will only give you a free report if you buy other products or services. Still, others give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by law, go to AnnualCreditReport.com.

Tip: The CFPB requires print advertisements, telephone requests, and websites that offer “free” credit reports to make the following disclosure: “You have the right to a free credit report from AnnualCreditReport.com or (877) 322-8228, the ONLY authorized source under Federal law.” Radio and television advertisements that offer “free” credit reports must have a similar disclosure: “This is not the free credit report provided for by Federal law.”

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