You can order your free credit report from a central website: www.annualcreditreport.com
AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports.
It was created by the three nationwide consumer credit reporting companies -
Equifax, Experian and TransUnion.
AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit
report once every 12 months from each of the three nationwide consumer credit reporting companies
in accordance with the Fair and Accurate Credit Transactions Act (FACT Act).
AnnualCreditReport.com offers consumers a fast and convenient way to request, view and print their credit reports
in a secure Internet environment.
AnnualCreditReport.com is the only service authorized by Equifax, Experian and TransUnion for this purpose.
The three nationwide consumer credit reporting companies have always encouraged consumers to regularly review
their credit reports.
Please note that, as a security precaution, consumers should never provide their personal information to any other
company or person for requesting free annual credit reports under the FACT Act.
AnnualCreditReport.com will not approach consumers via email, telemarketing or direct mail solicitations.
Call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
The form is on the FTC website: www.ftc.gov/.
Do not contact the three nationwide consumer reporting companies individually.
They are only providing free annual credit reports through www.annualcreditreport.com
The FCRA allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.
Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance,or employment, and you ask for your report within 60 days of receiving notice of the action.
The notice will give you the name, address, and phone number of the consumer reporting company. You’re also entitled to one free report a year if you’re unemployed and plan to look for a job within 60 days; if you’re on welfare; or if your report is inaccurate ecause of fraud, including identity theft.
Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of our report within a 12-month period.
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Equifax
800-685-1111
www.equifax.com
Experian
888-EXPERIAN (888-397-3742)
www.experian.com
Trans Union
1-877-322-8228
www.transunion.com
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Other Free Reports
Listed here are some other websites that allow consumer to get free annual copies of reports covering insurance
claims, medical history and more. While it may not be worth it for everyone to get all the reports, you should consider it if you’re shopping for insurance or suspect that your personal information has
been compromised somehow.
Insurance claims. ChoicePoint maintains the “Clue”
database tracking people’s claim history both on
auto-insurance and personal-property policies. You can
order a copy of your file online at www.choicetrust.com (click on “C.L.U.E. Reports” on
the left) or by calling 800-627-3487. A similar
report from the company ISA is available by calling
800-627-3487.
Medical history. When you apply for insurance, you
can authorize the insurer to get information about you
from the Medical Information Bureau at www.mib.com.
Its database just uses codes to denote major conditions;
it’s not your full medical records, like what your
doctor has. Generally you’ll only have a record if
you’ve applied for individually underwritten life,
health, or disability insurance in the past seven years
(i.e. not a group plan through your employer). MIB
estimates that about 20% of people have a record. You
can get yours by calling 866-692-6901.
Background checks. landlords and employers often use
screening companies to do background checks. But there
are many companies that do it, so finding your
individual file is a long shot. ChoicePoint give you
toll-free numbers for its reports at www.choicetrust.com. .
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