Get your credit reports. For free.

Use the official starting point

AnnualCreditReport.com is the federally authorized source for free annual reports. Equifax, Experian, and TransUnion also offer free weekly online reports through it. Type the address carefully and avoid lookalike ads.

Choose a request method

Online: follow the request and identity-check steps on the official site. Phone: call 1-877-322-8228. Mail: obtain the current request form and instructions from the official site. Mail requests go to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Have your information ready

The official provider may ask for your name, Social Security number, date of birth, current and previous addresses, and identity-verification information. Enter sensitive details only with the official provider, not on Mile Forward. If online verification fails, follow the phone or mail instructions rather than guessing repeatedly.

Save and compare all three

Download or print your reports and keep them securely. An account may appear on one report and not another. Compare identifying details, balances, payment history, collections, and inquiries. Record which bureau shows each concern.

Separate reports from paid extras

You don't need to purchase a score, monitoring, or a subscription to request your free reports. Review any optional offer carefully before providing payment details.