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How to Get Free Credit Reports from Equifax, Experian, and TransUnion to Check your Credit

You can get free credit reports from the following website once a year.


If you need to get credit reports more than once a year, follow the steps below:

Experian: If you've applied for anything in the last 60 days just request a free copy of your report from their website. -or- Do an online dispute. They will mail you a free copy of the updated report (or you can receive an email linking you to the report)

Equifax: The trickiest. Call the number on their website listed in the "Request free Report" due to three different FCRA regulations entitling you to one. Claim one of the reasons. It's done by a machine that records your responses.

TransUnion: Easy. Do an online dispute. They send you a copy of your report once the results are posted.

Following is their contact information:

Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box 740241, Atlanta, GA 30374; www.equifax.com

Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.

TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA 19022; www.transunion.com.