According to the Fair and Accurate Credit Transactions Act (FACT Act), consumers are entitled to receive one credit report, free of charge, from each of the three consumer credit bureaus (Equifax, TransUnion, and Experian). 

You may request a report once every 12 months from each reporting agency through www.AnnualCreditReport.com. Click here for more information.  Or, call toll-free: 1-877-322-8228.

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

Experian

To order your credit report directly, call 1-888-397-3742

Mailing Address:
Experian
P.O. Box 9532
Allen, TX 75013

To report fraud, call 1-888-397-3742

Mailing Address for Fraud Division:
Experian Fraud Division
P.O. Box 1017
Allen, TX 75013

Equifax

To order your credit report directly, call 1-800-685-1111

Mailing Address:
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241

To report fraud, call 1-800-525-6285

Mailing Address for Fraud Division:
Equifax Fraud Division
P.O. Box 740250
Atlanta, GA 30374

TransUnion

To order your credit report directly, call 1-800-888-4213

Mailing Address:
TransUnion, LLC
P.O. Box 1000
Chester, PA 19022

To report fraud, call 1-800-680-7289

Mailing Address for Fraud Victim Assistance Dept.
TransUnion Fraud Victim Assistance Dept.
P.O. Box 6790
Fullerton, CA 92834-6790