Credit Report
Your Credit Report

Getting a Free Annual Credit Report is the ONLY authorized source for the free annual credit report that's yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 month. You may also obtain your free annual credit report by calling 1-877-322-8228 or by writing to:

Annual Credit Report Request Services
P.O. Box 105281
Atlanta, GA 30348-5281

To obtain a regular copy of your credit report:

If you have already accessed your free annual credit report, but would like an updated copy of your regular credit report before you are able to download your next free annual credit report, please visit contact the three credit bureaus:

Equifax    1-800-685-1111  (free copy if denied credit)
TransUnion   1-800-888-4213
Experian   1-888-397-3742

To dispute information on your credit report:

Equifax    1-866-349-5191 
   Mailing Address: Equifax
PO Box 740256
Atlanta, GA 30374-0256
TransUnion   1-800-888-4213
   Mailing Address: TransUnion
PO Box 2000
Chester, PA 19016
Experian   1-888-397-3742
   Mailing Address: Experian
PO Box 9701
Allen, TX 75013

Equifax Mortgage Consumers Only - Mortgage Solutions Consumer Affairs:

Equifax    800-333-0037 (option 1)  

To report fraud to the credit bureaus:

If you need to report fraudulent activity to the credit bureaus, you only need to contact one bureau listed below. That bureau will share your fraud alert request with the other two bureaus.
Equifax    1-800-525-6285
TransUnion   1-800-680-7289
Experian   1-888-397-3742

For more information on FICO Credit Scores:  -or-

Equifax Credit Freezes and Credit Locks:

Equifax Credit Freeze   866-640-2273
Equifax Credit Lock   800-203-7843
TransUnion   800-916-8800 
Experian   888-397-3742