How long does it take to get my free credit report after I order it?

It depends on how you ordered your report:

Online: If you request your report at AnnualCreditReport.com, you should be able to access it immediately.

Phone: If you order your report by calling (877) 322-8228, your report will be processed and mailed to you within 15 days.

Mail: If you use the Annual Credit Report Request Form or write a letter, your request will be processed and mailed to you within 15 days of receipt. Please allow two to three weeks for delivery.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity.

Ask CFPB provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically.

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