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Free Credit Reports

  • Get Your Free Credit Report

    Under 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 may 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.
    • Protect your self from 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.


    How to request your report


    Request your report online 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. 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.

    Request your report by phone

    To make your request, call 1-877-FACTACT (toll-free). You will go through a simple verification process over the phone. Your reports will be mailed to you.

    Request your report by mail

    Get your credit report by mailing a request form to this address:

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