All about credit reports

Getting your credit reports

You can get a free report once every 12 months from each of the three nationwide consumer credit reporting companies through You can request all three of your reports at once, or you can space them out over the course of the year. That means if you order a report from one of the companies on March 1, you can't get another free annual credit report from the same company until March 2 next year.

Please note, that there may be situations where you can obtain additional copies of your credit report for free such as the application of certain state laws, when you have been denied credit or in certain situations involving fraud.

You can visit the Consumer Financial Protection Bureau's website for more information on how you can obtain your credit report for free.

How do I request my free annual credit report?

You may request your free annual credit report online, via phone or by mail. You do not need to order your credit report from each credit reporting company at the same time and may decide to request the three credit reports at different times throughout the year.


You can ask for your free annual credit report from Make sure you are on this site before ordering your report. This is the official site, authorized by the Federal government, for you to get your free reports. You usually can get your report immediately by ordering it online after you have verified your identity through an authentication process.


  • Call 1-877-322-8228
  • You will go through a verification process over the phone.
  • Your credit report will be mailed to you within 15 days

    • Blind and Visually Impaired Consumers can ask for your free annual credit reports in Braille, Large Print or Audio Formats.
      • Call toll free at 877-322-8228.
      • Provide personal information to validate your identity.
      • Orally certify that you are blind or a person with a visual impairment.
      • Pick the format you want.
    • Your credit reports should arrive in about 3 weeks.


  • Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
  • Print and complete the form
  • Mail the completed form to:
    • Annual Credit Report Request Service
    • P.O. Box 105281
    • Atlanta, GA 30348-5281
  • Your credit report will be mailed to you within 15 days

The Consumer Financial Protection Bureau's website has additional information on how to obtain your free annual credit report.