AnnualCreditReport.com is the ONLY authorized source to get your free annual credit report under federal law. The Fair Credit Reporting Act guarantees you access to a free credit report from each of the three nationwide reporting agencies — Experian, Equifax, and TransUnion — every twelve months. The Federal Trade Commission has received complaints from consumers who thought they were ordering their free annual credit report, but instead paid hidden fees or agreed to unwanted services. Don’t be fooled by TV ads, email offers, or online search results. Go to the authorized source when you request your free report.
Use These Numbers to Order Reports:
- Equifax 1-800-685-1111 This one lets you get a free report if you have been denied credit in the last 60 days. Option 2. Make sure that you order only the credit report. Mail within 48 hours.
- TransUnion – 800-916-8800 – mail within 6 to 8 business days.
- Experian – 888-397-3742 – receive within 8 to 10 business days.
Via the World Wide Web
General Contact Numbers
Experian
Office in TX: 1-888-397-3742
Business: 888-211-0728
Equifax Information Services
Business Line (also has option for Personal): 888-202-4025
Office in GA: 1-800-685-1111
Dispute Fax #: 888-826-0573
Business: 802-304-0364
General: 800-797-6801
TransUnion
Office in PA: 1-800-888-4213
888-259-6845 (6am-12 pacific time)
800-916-8800 (consumer relations)
Addresses for Disputes on Credit Reports:
Experian
NCAC
PO Box 9556
Allen TX 75013
Equifax Information Services
P O BOX 740256
Atlanta, GA 30374
TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
PO Box 2000
Chester, PA 19022-2000
