Did you know? You’re entitled to receive one free credit report every 12 months from each of the three nationwide consumer credit reporting agencies: Equifax, Experian and TransUnion.
These consumer reporting agencies have a central website, a toll-free phone number and a mailing address where you can order your free annual report. To order, visit www.annualcreditreport.com
, call 877.322.8228
, or print and complete the Annual Credit Report Request Form
and mail it to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Don’t contact these agencies individually. Free annual credit reports are available only through the central website, phone number and the Annual Credit Report Request Service.
When ordering your free report you’ll be asked to provide your name, address, date of birth and Social Security number. You also may be asked to provide further identifying information based on information in your credit report.
Important to know
. Only one website, www.annualcreditreport.com
, is authorized to fulfill orders for the free annual credit report you’re entitled to by law. Other websites claiming to offer free credit reports, free credit scores or free credit monitoring are not part of the legally-mandated free annual credit report program. In some cases, the “free” product comes with strings attached.
For more information, see the Federal Trade Commission brochure, “Your Access to Free Credit Reports,” available on the FTC’s website, www.ftc.gov
Report Identity Theft
If someone has fraudulently used your identity to establish credit, contact us at Alliance immediately and then report the incident as quickly as possible to each of the consumer reporting agencies: