Experian
Experian is one of the three nationwide providers of consumer reports.
Contact this company to request your report
- This company will provide one free credit report every 12 months if you request it.
- This company offers you the option to freeze your report with them if you request it.
- Requesting copies of your own consumer reports does not hurt your credit scores.
- For companies required to provide the information in your report for free annually upon request, they must do so within fifteen days of receiving your request.
- This company will provide free credit monitoring services to active duty servicemembers and to National Guard members, by visiting their active military web page .
| Website | Phone number | Mailing address |
|---|---|---|
AnnualCreditReport.com (request your report) experian.com (direct company contact) experian.com (freeze your report) |
(877) 322-8228 (Option 1) (request your report) (888) 397-3742 (direct company contact) (888) 397-3742 (freeze your report) |
Central Source, LLC |
How to use this report
Here's what's included in this report:
- Personal information, such as your name, date of birth, name(s) of loan co-applicants, as well as current and past residential addresses, phone numbers, and employment history if your creditors report it.
- Information about your payment history as submitted by credit card companies, home and auto lenders (and leasing companies), and other creditors.
- How much credit you have and use.
- Information from debt collectors including unpaid medical debt that is greater than 365 days delinquent from date of service and over $500, and past-due debt from cable and phone bills.
- Some public information like bankruptcies.
- Two types of inquiries: Hard inquiries are from creditors who have requested your credit reports when you apply for credit. Soft inquiries include reviews of existing accounts by lenders, prescreening inquiries by prospective lenders, and your requests for your credit reports. Soft inquiries are shown only to you when you request a copy of your credit report – they are not included in reports shared with third parties, and do not impact your credit scores.
Free weekly report:
Since the COVID-19 pandemic, you can request your credit reports for free weekly from each of these companies.
AnnualCreditReport.com will route you to any of the three companies you select. Before giving you a copy of your report, each company may ask you a few detailed questions to authenticate your identity or may require two-factor authentication. Authentication questions are designed to be those only you can answer. They might be questions asking you to verify information about an existing or closed loan. The question could ask you to identify a street address where you have never lived and you would respond that it was not an address where you lived. The purpose of these questions is to protect the security of your information.
If you run into difficulty getting your free Equifax, TransUnion, or Experian credit report(s) from AnnualCreditReport.com or its toll-free phone number provided above, try contacting the respective institution(s) directly for help:
- Equifax, (888) 378-4329. For reports in Spanish, choose Option 8 when calling or visit equifax.com .
- TransUnion, (800) 916-8800. For reports in Spanish, choose Option 2 when calling.
- Experian , (888) 397-3742.
How to dispute the information in your report
If you find information in your consumer report that you believe is inaccurate or incomplete, you have the legal right to dispute the report’s content with the consumer reporting company and the company that shared the information to the reporting company, such as your lender. Under the FCRA, companies must conduct – free of charge – a reasonable investigation of your dispute. The company that has provided the incorrect information must correct the error, and notify all of the consumer reporting companies to whom it provided the inaccurate information.