Free credit reports and the credit reporting agenciesConsumer-friendly laws allow everyone to receive one free credit report from each agency every 12 months. Instead of going to each of the bureaus, consumers can get all three from one centralized source. Experts recommend staggering the requests every four months to keep a lookout for suspicious activity or errors. For example, request a report from Experian in January, then get a report from TransUnion in May and follow up in September with a report from Equifax -- then start again in January. Get a free credit reportOrder your free credit report one of three ways•Visit www.annualcreditreport.com. •Call 877-322-8228•Complete the form on the back of the Annual Credit Report Request brochure. Mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA, 30348-5281. Credit reporting agencies•TransUnion LLC 800-888-4213 P.O. Box 2000 Chester, PA 19022 •Equifax 800-685-1111 P.O. Box 740256 Atlanta, GA 30374 •Experian 888-397-3742 National Consumer Assistance Center P.O. Box 2002 Allen, TX 75013 View worksheet archive advertisementRelated Links:What can creditors take in a bankruptcy?How debt collectors get your moneySeparate in marriage, but joined in debt?Related Articles:5 tips on debt settlementSettling your credit card debt3 debt management options
Free credit reports and the credit reporting agencies
Order your free credit report one of three ways