Your Credit Report
Getting a Free Annual Credit Report
AnnualCreditReport.com 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 months. 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 contact the three credit bureaus:
Equifax
1-800-685-1111
www.equifax.com
www.equifax.com/fcra (free copy if denied credit)
TransUnion
1-800-888-4213
www.transunion.com
Experian
1-888-397-3742
www.experian.com
To dispute information on your credit report:
Equifax
1-866-349-5191
http://www.equifax.com/personal/disputes
Mailing Address:
Equifax
PO Box 740256
Atlanta, GA 30374-0256
TransUnion
1-800-888-4213
www.transunion.com
Mailing Address:
TransUnion
PO Box 2000
Chester, PA 19016
Experian
1-888-397-3742
www.experian.com
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
www.alerts.equifax.com
TransUnion
1-800-680-7289
https://fraud.transunion.com
Experian
1-888-397-3742
www.experian.com/fraud
For more information on FICO Credit Scores:
www.scoreinfo.org -or- www.myfico.com
Equifax Credit Freezes and Credit Locks:
Equifax Credit Freeze
866-640-2273
www.freeze.equifax.com
Equifax Credit Lock
800-203-7843
www.equifaxsecurity2017.com
TransUnion
800-916-8800
Experian
888-397-3742