Free Credit Report

E-Statement GraphicUnder the FACT Act amendments to the Fair Credit Reporting Act you are entitled to one free credit report from each nationwide credit reporting agency every 12 months through the Central Source.


Why do I want a copy of my credit report?

Your credit report has information that affects whether you can get a loan – and how much you will have to pay to borrow money. You want a copy of your credit report to:

Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

Help guard against identity theft. That’s when someone uses your personal information – like your name, your Social Security number, or your credit card number – to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

To request a free credit report you have three options:

  Request your Credit Report Online

It's quick, easy and secure. If you are eligible for a no-cost credit report, you will be able to view it and print it after your identity is verified. This website allows you to request a no-cost credit report once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion.

  Request your Credit Report by Phone

You will go through a simple verification process over the phone. Your reports will be mailed to you.

 1- 877-FACTACT (toll-free)


  Request your Credit Report by Mail

Request your credit report by mail by filling out the request form and mailing it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Prevent Identity Theft: Monitoring and periodically reviewing your credit report is an effective tool in fighting identity theft.

There are three credit reporting agencies:

Equifax: 1-800-525-6285
Experian 1-888-397-3742
Trans Union: 1-800-680-7289

TransUnion Experian and Equifax Logo

Social Security Administration (fraud line): 1-800-269-0271


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