The Fair Credit Reporting ACT (FCRA) requires each of the nationwide credit reporting companies-Equifax, Experian and Trans Union to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed bankruptcy. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.
Here are the details about your rights under the FCRA, which established the free annual credit report program.
How Do I Order My Free Report?
The three nationwide credit reporting companies have set up a central website, a toll free telephone number, and a mailing address through which you can order your free report.
To order, visit www.annualcreditreport.com or, 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. You can print the form at https://consumer.ftc.gov . Do not contact the three nationwide credit reporting companies individually.
To buy a copy of your report, contact: