Your Free Credit Report
Regularly reviewing your credit report is a wise financial move. It enables you to keep track of your debts as well as check for errors and identity theft. Under federal law, you are entitled to a free copy of your credit report once every 12 months from each of the three credit bureaus, Equifax, Experian, and TransUnion. The bureaus have established one central service for consumers to contact:
Annual Credit Report Request Service
Mail: P.O. Box 105281, Atlanta, GA 30348
You can obtain your three reports all at once or stagger your requests throughout the year. Your credit score is not included with the report, although you can purchase it for a fee.
The Annual Credit Report Request Service is the only authorized source for your free annual credit reports from the three bureaus. You may have seen advertisements for other services claiming you can get your free credit report, but they usually require you to sign up for credit report monitoring or other service in order to get your “free” report.