Receive a free credit report

Did you know that you can receive a free credit report once every 12 months? At consumers can request and obtain a free credit report once every 12 months from each of the three national consumer credit reporting companies in accordance with the Fair and Accurate Credit Transactions Act (FACT Act). is a centralized service. It was designed for consumers like yourself to be able to request free annual credit reports. The law allows one visit per year to each bureau (Equifax, Experian & TransUnion). You can request your free credit report online, by phone or through the mail. Free credit reports requested online are viewable immediately upon authentication of identity. Free reports requested by phone or mail will be processed within 15 days of receiving your request.

Visit or call 877-322-8228 to complete a request form. You can request all reports at once or just one or two. Experts recommend just one at a time, and stagger over the course of a year. If there are errors or changes, you can catch them sooner.