Getting your Credit Reports
Because your credit score is based on your credit report, you’ll need to obtain
copies of all three of your credit reports. There are three major credit reporting
agencies (CRAs) that every creditor and lender uses in the country when
determining your risk. They are; Equifax, Experian, and TransUnion, and we’ll
start with the cheapest way to obtain a copy of your credit reports.
How to Order Your Free Annual Credit Reports
Every 12 months, you can order one free copy of your Equifax, Experian, and
TransUnion credit reports. You can order them all at the same time or you can
order them individually throughout a 12-month period. Your free reports should
arrive about 15 days after you place your order.
There are three ways to order your free annual reports:
Order them online
at
www.annualcreditreport.com
.
This
is the report-ordering
website that the three CRAs were required to establish under federal law.
Order by phone
: 1-877-322-8228.
Order by mail
: You can write a letter requesting one or more of your free annual
credit reports or you can download a request form at
www.annualcreditreport.com!cralrequestformfinal.pdf
.
Fill it out completely and
mail it to:
Annual Credit Report Request Service
PO Box 105281, Atlanta, GA 30348-5281.
If you write a letter, your request won't be processed unless the letter contains
very specific information. Take time to review the details at their website before
submitting your written letter.
