Order Your Free Credit Report – Get Organized in the New Year


You’re entitled to one free copy of your credit report every 12 months from each of the three nationwide reporting companies. Order online from annualcreditreport.com, the only authorized website for free reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy. Nationwide reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA, which established the free annual credit report program.

Q: How do I order my free report?

The three nationwide reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228. Or complete the Annual Credit Report Request Form available on the website. Do not contact the three nationwide reporting companies individually. They provide free annual reports only through annualcreditreport.com, 1-877-322-8228 or mailing to Annual Credit Report Request Service.

You may order your reports from each of the three nationwide reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide reporting companies every 12 months.

The information on this page is provided directly from the Federal Trade Commission website.

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Isabella Guajardo is a San Francisco Bay Area professional organizer and a member of the National Association of Professional Organizers (NAPO). She travels to work with clients throughout the Greater San Francisco Bay Area and around the world. Call (510) 229-7321 for a complimentary consultation on how we can get your home or office moved and/or organized. Gift cards are available.