How To Order a Free Credit Report

To order your free credit report, visit www.annualcreditreport.com, call toll-free 1-877-322-8228, or complete the Annual Credit Report Request Form on the US Federal Trade Commission’s (FTC) website at www.consumer.ftc.gov and mail it to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

The three consumer reporting agencies provide free annual credit reports only through the website, toll-free number or request form.

When you receive your credit report, review it carefully. Look for accounts you did not open. Look in the “Inquiries” section for names of creditors from whom you haven’t requested credit. Some companies bill under names other than their store or commercial names. The consumer reporting agency will be able to tell you when that is the case. Look in the “Personal Information” section for any inaccuracies in your information, such as home address and Social Security Number. If you see anything you do not understand, call the consumer reporting agency at the telephone number on the report.

Errors in this information may be a warning sign of possible identity theft. You should notify the consumer reporting agencies of any inaccuracies in your report, whether due to error or fraud, as soon as possible so the information can be investigated and, if found to be in error, corrected. If there are accounts or charges you did not authorize, immediately notify the appropriate consumer reporting agency by telephone and in writing. Consumer reporting agency staff will review your report with you. If the information can’t be explained, then you will need to call the creditors involved. Information that can’t be explained also should be reported to your local police or sheriff’s office, as it may signal criminal activity.