How do I obtain a free credit report from each of the major credit bureaus?
Friday, May 1st, 2009 at
1:43 am
Searcher asked:
I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.
I heard on CNN Headline News that you can obtain one free credit report per year from each of the 4 major credit bureaus.
Does anyone know the names of each credit bureau, the number to call (or address) and what you need to do to get a copy of your credit report?
Tagged with: Cnn Headline News • Major Credit Bureaus • Names
Filed under: Credit
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It’s the law that all 3 give you a freebie every year.
You can go to their websites
Experian, TransUnion, and Equifax are the BIG THREE. They have free versions and then they have added features for a fee. If you want to dispute anything – you can do that online as well.
freecreditreport.com
Hi Searcher,
Here’s what you need…
The three major credit bureaus are:
1. Equifax -
2. Experian -
3. TransUnion -
By law, the Fair Credit Reporting Act (FCRA) now requires each of the nationwide consumer reporting companies (listed above) to provide you with a free copy of your credit report, at your request, once every 12 months. For more information, read “Facts for Consumers: Your Access to Free Credit Reports” at FTC.gov.
There are three ways to obtain a Free Credit Report under the FCRA:
1. Visit AnnualCreditReport.com (the only authorized site to fill orders for the free annual credit report you are entitled to under law)
2. Call 1-877-322-8228 and request your free credit report
3. Complete the Annual Credit Report Request Form (http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf) and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
If you have the need for a second report, use FreeCreditReport.com. Just be sure to cancel your trial membership within 30 days or you’ll be charged $12.95/month thereafter.
Hope this helps,
-Ted