Credit Reports

If you want to order your credit reports online, you are entitled to one free credit report each year from each of the three credit bureaus -- Experian, Equifax and Trans Union.

The contact information for the three major credit reporting agencies (or credit bureaus) is below. When you contact them, you must have specific information handy so that they can verify your identity. Note that these agencies have a duty to make sure that the person requesting a copy of his or her credit report is indeed that person and not an unauthorized party. Therefore, if the information they have on file about you does not match the information you provide to them, there will be a delay in obtaining your report, or they might deny your request altogether.

The three credit bureaus have set up a website so you can easily order your credit reports online:

Visit Annual Credit Report

*Note that the free credit report does not include your FICO score.
* Refer to website for Terms of use

Experian Webpage
P. O. Box 4500
Allen, TX 75013

Equifax, Inc. Credit Information Services Webpage
P. O. Box 740241
Atlanta, GA 30374-0241

Trans Union Webpage
P. O. Box 1000
Chester, PA 19022