Free credit reports

The Fair Credit Reporting Act (FCRA) requires each of the three credit reporting bureaus to supply consumers with one free credit report per year. Federal law also entitles consumers to receive free credit reports if any company has taken adverse action against them. This includes denial of credit, insurance or employment, as well as other reports from collection agencies or judgments. But consumers must request the report within 60 days from the date the adverse action occurred.

In addition, consumers who are on welfare, unemployed people who plan to look for a job within 60 days, and victims of identity theft are also entitled to a free credit report from each of the reporting agencies.

Getting free credit reports under the FCRA

The three nationwide credit reporting companies have set up a central website, a toll-free telephone number, and a mailing address where you can order your free annual report.
You may get your free reports at the same time or one at a time - the law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

To get your free reports, visit AnnualCreditReport.com or call 1-877-322-8228. You can also complete the Annual Credit Report Request Form and mail it to:

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


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Do free credit reports include FICO® Scores?

The only credit reports that provides you with up to 28 FICO® Scores are FICO® Scores reports. FICO Scores provide you with industry-specific FICO Scores that are the standard for mortgage, auto, and credit card lending. You can purchase your report here at myFICO.com, or get them as part of our premium credit and monitoring plans.

Warning about (free credit report) "impostor" websites

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law: AnnualCreditReport.com. Other websites that claim to offer "free credit reports," "free credit scores," or "free credit monitoring" are not part of the legally-mandated free annual credit report program.

In some cases, the "free" product comes with strings attached. For example, some sites sign you up for a supposedly "free" service that converts to one you have to pay for after a trial period. If you don't cancel during the trial period, you may unwittingly agree to let the company start charging fees to your credit card.

Some "impostor" sites use terms like "free report" in their names; others have URLs that purposely misspell annualcreditreport.com in the hopes that you will mistype the name of the official site. Some of these "imposter" sites direct you to other sites that try to sell you something or collect your personal information.

Annualcreditreport.com and the nationwide credit reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide credit reporting companies, do not reply or click on any link in the message. It's probably a scam. Forward any such email to the FTC at spam@uce.gov.

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