Article · NYC311

Every year, you can request a free credit report from Experian, Equifax, or TransUnion.

Learn about credit reports and consumer protection.

Request Free Credit Reports

Online

Request free credit reports.

By Mail

Download the Annual Credit Report Request Form. Mail the completed form to:

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

By Phone

Agency: Federal Trade Commission
Division: Annual Credit Report
Phone Number: (877) 322-8228
Business Hours: 24 hours, 7 days a week

The three nationwide consumer reporting agencies are Equifax, Experian, and TransUnion. They can be contacted online or by phone.

Online

By Phone

Agency: Equifax
Phone Number: (800) 525-6285
Business Hours: Monday - Friday: 9 AM - 5 PM

Agency: Experian
Phone Number: (888) 397-3742
Business Hours: Monday - Friday: 9 AM - 5 PM

Agency: TransUnion
Phone Number: (800) 680-7289
Business Hours: Monday - Friday: 9 AM - 5 PM

The FACT Act is a United States federal law, passed by the United States Congress.

This act allows you to request a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion).

Credit Report

Nationwide Consumer Reporting Agencies

Fair and Accurate Credit Transactions (FACT) Act