With the passage of the Fair and Accurate Credit Transactions Act of 2003, consumers can get free copies of their credit reports from each major credit bureau once a year. Checking your credit reports on a regular basis is very important. It is an opportunity to spot any fraudulent use of your name by identity thieves and correct any other inaccurate information.

To request your reports‚ go to‚ which is the only authorized source for consumers wishing to access their annual credit reports online FOR FREE. Or‚ call 877-322-8228. You’ll be able to order all three credit reports at one time or at different times throughout the year. It’s your choice. But‚ be sure to order from the centralized agency. If you go directly to the credit reporting agencies‚ you may be charged unless you fit other criteria for a free report (such as being denied credit).

The credit reports will be mailed to your home with instructions on how to read them.

Credit Bureaus

If you need to contact the credit bureaus directly‚ here’s the information you’ll need:

  • or 800-685-1111. To report fraud, call 800-525-6285.
  • or call 888-397-3742. To report fraud, call 888-397-3742.
  • or call 800-888-4213. To report fraud‚ call 800-680-7289.