Learning Center






 
Additional Resources
Module 2
How Credit Affects You
Credit Reports and Credit Score
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Ordering Your Free Annual Credit Report

Get Three Free Reports Every Year
Each of the three major credit-reporting agencies will provide you with a free copy of your credit report, at your request, once every 12 months. The credit report does not include your credit score. However, you can order your score for a nominal fee.

Request your Credit Report by Phone:
1-877-322-8228

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

Request your Credit Report Online:
AnnualCreditReport.com

Check Them All
It is important to check all three credit reports, as they may not all contain exactly the same information. A mistake on one report may not be on any of the others, so it’s important to check all three.

The Three Main Credit-Reporting Agencies
Equifax
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374
Consumer inquiries:
1-800-685-1111
To report fraud:
1-800-525-6285
www.equifax.com
Experian
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013
Consumer inquiries:
1-888-397-3742
To report fraud:
1-888-397-3742
www.experian.com
Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Consumer inquiries:
1-800-888-4213
To report fraud:
1-800-916-8800
www.transunion.com

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