Free Credit Report | Federal Trade Commission
Free Credit Report
600 Pennsylvania Avenue NW, 600 Pennsylvania Avenue NW, Washington, DC 20580
Eligibility
Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a 12-month period.
877-322-8228
Voice
Websitehttps://www.ftc.gov
Application process
To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Do not contact the three nationwide credit report
Fees
The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.
Service area
All Islands,Oahu,Hawaii (Big Island),Maui,Kauai,Molokai,Lanai,Niihau
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Credit Reporting Act (FCRA) with respect to credit reporting companies. The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies: Equifax, Experian, and TransUnion, to provide you with a free copy of your credit report, at your request, once every 12 months.
What's Here
Providing organization
Federal Trade Commission