There are two ways to be eligible for a free consumer credit report:

1. Free annual consumer credit reports is available nationwide. To learn more about how to get your free annual consumer credit report, click here.
2. You are also eligible to get a free consumer credit report under other provisions of law if:
• you live in Colorado, Georgia, Maryland, Maine, Massachusetts, New Jersey or Vermont, or


• you have been denied credit, employment, insurance or housing, public benefits or employment based upon a consumer credit report

To learn more about your right to a free consumer credit report today, click here.

NEW RIGHTS--FACT Act Free Annual Consumer Credit Report:

Beginning December 1, 2004, thanks to the federal Fair and Accurate Credit Transactions Act of 2003, (FACT Act), a new program makes free annual consumer credit reports available nationally, simply for the asking.

Your rights under the FACT Act are in addition to any rights you may already have to a free consumer credit report under existing law if you live in a state that provided for a free credit report before the federal FACT Act or if you have been denied credit, employment, insurance, housing or public benefits based upon a consumer credit report.

Under the FACT Act program, you are entitled to one free consumer credit report annually from each of the three nationwide consumer credit reporting agencies: Equifax, Experian, and TransUnion.

When can I get my free annual consumer credit reports?

Now.

OTHER WAYS TO GET A FREE ANNUAL REPORT

FREE STATES: Even before the new nationwide free credit report you were already eligible for a free annual consumer credit report if you live in Colorado, Maryland, Maine, Massachusetts, New Jersey or Vermont. If you live in Georgia, you are eligible for two consumer credit reports per 12 months.

Click here to find out how to contact the three major consumer credit reporting agencies directly to obtain your free consumer credit reports if you live in one of these states.

Where to request your free annual consumer credit report if you live in Colorado, Georgia, Maryland, Maine, Massachusetts, New Jersey or Vermont:

Equifax
Phone request: 800 685-1111
Online information: www.AnnualCreditReport.com
Or write to:
Equifax Information Services, LLC
Disclosure Department
P.O. Box 740241
Atlanta, Ga.
30374-0241

Experian
Phone request: 866 200 6020
Immediate online access to free reports
For Free State reports: www.AnnualCreditReport.com
Or write to:
Experian
P.O. Box 2002
Allen, Texas 75013

TransUnion
Phone request: 800 888-4213
Online information and forms: http://www.transunion.com
Free state and Free FCRA reports not available on line but request forms are. See: http://www.transunion.com/corporate/personal/creditTools/freeCreditReport.page
Mail completed form to:
TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

FCRA: You are also entitled to a free consumer credit report under the Fair Consumer Credit Reporting Act (FCRA) if any of the following apply:

• A consumer credit report was used as the basis for turning you down for a loan, insurance policy, or job, and you request a free consumer credit report within 60 days of being notified of the denial by the creditor, insurance company or potential employer or other source that turned you down. The source that turned you down must tell you why you were denied. You should include that information in your request to the consumer credit reporting agency when you ask for a free report.
• You are unemployed and will apply for unemployment within 60 days from the date you certify your unemployment with the consumer credit reporting agency from which you seek the report;
• You receive public assistance; or
• If you believe your file contains inaccurate information because of fraudulent activity, you can file a fraud alert.

Here's how to contact the three major consumer credit reporting agencies to get your free consumer credit report if you meet any of the FCRA eligibility conditions listed above:

Equifax
Phone request: 800 685-1111
Online information: https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=elearning_credit14
Or write to:
Equifax Information Services LLC
P.O. Box 740241 Atlanta, GA 30374

Experian
Phone request: 866 200 6020
Immediate online access to free reports
For Free Reports under FCRA: http://www.experian.com/reportaccess
Or write to:
Experian
P.O. Box 2002
Allen, Texas 75013

TransUnion
Phone request: 800 888-4213
Online information and forms: http://www.transunion.com
Free state and Free FCRA reports are not available on line but request forms are. See: http://www.transunion.com/corporate/personal/creditTools/freeCreditReport.page
Mail completed form to:
TransUnion LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022

Where to File a Fraud Alert

Equifax:
Call: Consumer Fraud Division 1 800-525-6285
or 888-397-3742
Or Write: Equifax Consumer Fraud Division
P.O. Box 740256
Atlanta, GA 30374

Experian:
Call: 1 888 397-3742
Or Write: Experian
P.O. Box 2002
Allen, Texas 75013

TransUnion:
Call: TransUnion Fraud Victim Assistance 800-680-7289
Or Write: TransUnion LLC
P.O. Box 1000
Chester, PA 19022