: Call 1-877-322-8228 to have your reports mailed to you within 15 days.
: Complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service PO Box 105281 Atlanta, GA 30348-5281 Key Facts About Your Rights
: Visit AnnualCreditReport.com for immediate access to reports from Equifax, Experian, and TransUnion. obtain free credit report
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: You are entitled to at least one free report from each of the three bureaus every 12 months. : Call 1-877-322-8228 to have your reports mailed
: Free federal reports typically do not include your credit score; they only list your credit history.
: Spot unauthorized accounts or inquiries that could indicate identity theft. For financial advice, consult a professional
: Through 2026, you can actually check your report from each bureau once a week for free at the official site.