You can request one free credit report from Transunion, Experian, and Equifax every twelve months.
You can also receive a free credit report if you:
- Have been denied credit within the past 60 days.
- Are a victim of identity theft.
- Are on public assistance.
- Are unemployed and plan to seek employment within the next 60 days.
To protect your consumer rights, we recommend you request credit reports through U.S. Mail
To obtain credit reports, write your Credit Report Request letter and include two forms of identification, such as a driver’s license, recent utility bill, or current pay stub. It may take 10 - 15 days to receive your reports by mail.
You may also obtain reports online at annualcreditreport.com. However, ordering reports online may bind you through an arbitration agreement when you "click" to obtain your reports. This agreement may affect your consumer rights if you pursue a lawsuit or participate in a class action. To protect your consumer rights, we recommend that you request your reports through the mail.
You can also call to get your report. You'll be directed through a verification process and your reports will be mailed to you within 10 - 15 days. The credit report request phone number is: 877-322-8228.