How can I get my free credit report?
Follow the instructions below.
The three nationwide consumer reporting companies have one central website, toll-free telephone number, and mailing address through which you can order your free annual report. To order choose from an option below:
Through Annual Credit Report, you may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order from only one or two. The law allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.
There will usually be a charge to actually obtain your credit score, but the credit report itself is free. The report will help you verify if the information on amounts owed and timelines of payments is accurate.
What information do I have to provide to get my free report?
You need to provide your name, address, Social Security Number, and date of birth.
If you have moved in the last two years, you may be asked to provide your previous address.
To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.
If you choose to order your credit score as part of your report, you will be asked to pay. Credit or debit cards are the usual methods of payment.
annualcreditreport.com is the only authorized source for your free annual credit report from the three nationwide consumer reporting companies. annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email or see a pop-up ad claiming it’s from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message — it’s probably a scam. Forward any email that claims to be from annualcreditreport.com or any of three consumer reporting companies to the FTC’s database of deceptive spam at firstname.lastname@example.org.
annualcreditreport.com or any of three consumer reporting agencies also will not call you to ask for your personal information.
Need to obtain a copy of your child's credit report?
Children can get their credit reports from the agencies listed above. Children under the age of 13 should have their parent or legal guardian request the information. Information about the child needed for a written request may include:
- Legal name
- A copy of the child’s birth certification
- A copy of the child’s social security card
You will also need to provide documentation identifying yourself as a parent or legal guardian.