Free Credit Report

There are a few ways of obtaining a free credit report without a creditor pulling it for you. To obtain a free copy of your credit report please visit https://www.annualcreditreport.com/ which is the primary source for all 3 agencies

Annual Credit Report Request Service
PO Box 105281 Atlanta, GA 30348-5281
(Make sure to print it out, and mail to the above address)
877-322-8228 to order over the phone

You can receive a free copy of your credit file if: you have been denied credit, insurance, or employment and request the report within 60 days of notice, or if you can prove that (1) you’re unemployed and plan to look for a job within 60 days, (2) you’re on welfare, or (3) fraud on your credit file.

If you have already used annualcreditreport.com: If you have a current copy with Equifax or Experian, you will be able to view your credit report by initiating a dispute. You will need a ‘confirmation number’ that is less than 60days old. After disputing an item, make sure to keep the new confirmation number that is generated. You will need to ‘login’ to Transunion’s website, and initiate a dispute. They will allow you to view a current copy of your credit file.

*Please remember that annualcreditreport does not provide credit scores.

If you’re tired of receiving offers from creditors you can go to https://www.optoutprescreen.com/ or call 1-888-5-OPTOUT (1-888-567-8688) to OPT OUT from receiving offers.