Free Annual Credit Reports

To Obtain a Copy of Your Credit Report

The Fair and Accurate Credit Transactions Act allows consumers to request a copy of their credit report every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and Transunion.

You may request your free credit report online, by phone or through the mail. Free credit reports requested online can be viewed immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. is the official site to help consumers obtain their free credit report or you can call a toll-free number 1-877-322-8228.

To Obtain a Copy of Your Credit Score is a website where you can purchase credit reports that include your credit score. The fee includes the credit score, explanation of factors that affect your score, who has accessed your credit file, and your full credit report(s). For security purposes, you will be asked detailed questions to confirm your identity.

To Avoid Receiving Pre-approved Credit Cards and Other Mail Solicitations

Call the toll-free opt out line at 1-888-567-8688 or visit for the major credit bureaus for "pre-screened" offers only. The opt out period is for five years.