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Free Annual Credit Report

7 Ways You Can Get a (Truly!) Free Credit Report

Are you sick of hearing about “free credit reports” that aren’t really free?  Us too!  So we’ve compiled a list of 7 ways you can get a REAL free copy of your credit report (without having to sign up for a 7 day free trial or other scam). 

In the United States, Government credit laws provide consumers with an ability to obtain free credit reports. There are a number of ways to get a free credit report (and no, they don’t all involve signing up with sites like!!).  Here are a few ways to get your free credit report. Keep in mind that while credit reports may be obtained free from the credit bureaus they are not obligated to give consumers credit scores for free. Getting your report just makes good financial sense as your finances are reflected on the pages of your credit report.

Each year every consumer is allowed one free credit report from each credit bureau. The one year period starts from the last time you received your free credit report.

When ordering credit reports from any source expect a check of security information. Have available; full legal name, current mailing address, previous address if you have not lived at the same address for 2 years, current phone number, social security number, and drivers license information (when mailing include a copy of drivers license & social security card with your request).


By Mail:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, Ga. 30374-5281
Phone: 1-877-322-8228

Here are some other reasons that entitle a consumer to additional free credit reports. If you are requesting a free credit report for one of the additional 7 reasons listed below you will need to request them directly from the credit bureaus (not the annual credit report site listed above).

Here they are.  Seven reasons you can use to get a free credit report from each of the credit bureaus:

  1. You’ve been turned down for credit or insurance (adverse action) in the past 60 days.
  2. You are a victim of ID theft or have reason to believe that inaccurate data are in your credit report because of fraud.
  3. You are unemployed and intend to apply for employment in the next 60 days.
  4. If you are on public welfare assistance.
  5. If an adverse decision related to your employment has been made based in whole or in part on information contained in the report.
  6. If your report has been revised based upon an investigation you requested.
  7. If you live in a state with a free credit report law: Vermont, New Jersey, Maryland, Massachusetts, Maine, Colorado, and Georgia (Georgians are entitled to 2 free reports per year).

Here is the contact information for ordering reports from the 3 major credit bureaus:



P.O. Box 740241, Atlanta, Ga. 30374

Trans Union:


P.O. Box 1000, Chester, Pa. 19022



P.O. Box 2002, Allen, Tx. 75013

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