Don’t pay to get your credit report!
Getting your free annual credit report has never been easier. All you need to do is go to www.annualcreditreport.com, call 1-877-322-8228, or complete the weekly Credit Report Request Form and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
The website www.annualcreditreport.com is the only authorized online source to access your free weekly credit report. You must provide your name, address. social security number, and date of birth to any of the listed terminals to access your report.
What is a credit report? A credit report is a summary of your personal credit history that includes information on your identity, credit history, credit cards, and loans. Your credit report can influence your buying power, ability to receive a loan, getting a job, or buying insurance. Businesses use your credit report to determine whether to give you a loan, credit, insurance or rent you a home.
The credit bureaus, by federal law, must:
- make sure collected information is accurate
- give you a free copy of your credit report every 12 months
- give you a chance to fix any mistakes on your report
This offer will only last until April of 2022. After this date, you may only be able to access your credit report once within a 12-month period. Be sure to correctly type in the URL, www.annualcreditreport.com, spam websites will try to take advantage of you and charge you for your credit report and/or steal your information if you enter in the wrong URL. Report any scams or fraud to reportfraud.ftc.gov
For more information, visit ftc.gov to learn more about your free weekly credit report.