How to get a free copy of your credit report

Similarly, Internet websites must display the same disclosure on each page that mentions a free credit report and on each page of the ordering process

. The website must also include an active link, "Take me to the authorized source" that sends you to www.annualcreditreport.com. Telemarketers who solicit via telephone must tell consumers, "The following notice is required by law. You have the right to a free credit report at AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law."

No Strings Attached Free Reports

To get your free copy with no strings attached, visit AnnualCreditReport.com or call 1-877-322-8228. The three major credit reporting agencies, Experian, TransUnion and Equifax, have provided this central website to provide your free annual reports. Order all three reports at one time or you can order your report from each of the companies at different times throughout the year. Another option is to complete the Annual Credit Report request form available online and mail it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281. Or write to the agencies individually:

Equifax Report fraud: 1-800-525-6285 P.O. Box 9530 Allen, TX 75013

TransUnion Report fraud: 1-800-680-7289 P.O. Box 390 Springfield, PA 19064

Experian Report fraud: 1-888-397-3742 P.O. Box 9530 Allen, TX 75013

How to get a free copy of your credit report

By: Noreen Ruth

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