Get Your Credit Report For Free

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You can get your credit report for free once a year from any of the nationwide credit reporting agencies. You can get a free copy of your report from other consumer reporting agencies and in other circumstances as well.

To learn how to get a free copy of your credit report, continue reading this page. If you need help, or if you believe your rights were violated, contact BCJ Law for help. To speak with our credit report attorney, call 1-800-997-5561 or complete our contact form.

Free credit reports from the nationwide credit reporting agencies.

The Fair Credit Reporting Act (FCRA) requires the nationwide credit reporting agencies (i.e. Equifax, Experian, and TransUnion) to provide a free copy of your credit report once per year. You can request your credit report online, by mail, or over the phone. Here’s how:

  • Online Request: visit annualcreditreport.com and complete the online request form.
  • Mail Request: visit annualcreditreport.com, complete the paper mail order form, and send it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348.
  • Phone Request: call 1-877-322-8228.

Free credit reports from other consumer reporting agencies.

In addition to the nationwide credit reporting agencies, various other consumer reporting agencies provide free credit reports. The Consumer Financial Protection Bureau (CFPB) has compiled a list of such consumer reporting agencies and their contact info¬†here. If you need a free copy of your report from any of these entities, follow the instructions contained in the CFPB’s document.

Special instances where you can get a free credit report.

The FCRA sets forth special circumstances in which individuals can get a free copy of their credit report. Here are some of the scenarios:

  • Adverse Actions: if you're denied financing, a job, a lease, housing, or insurance, or if some other adverse action is taken against you because of your credit report, you can request a free copy of your credit report.
  • Job Searching: you can get a free copy of your credit report if you're unemployed and plan to look for a job.
  • Identity Theft/Fraud: you can get a free copy of your report if you were victimized by identity theft or fraud.
  • Government Benefits: you can get a free copy of your report if you receive welfare assistance.

Can I get free credit reports elsewhere?

The only place authorized by federal law to get your free credit report from the three nationwide credit reporting agencies is annualcreditreport.com. Many other websites, however, claim to offer free reports.

If you visit other websites, be cautious. Many websites that offer “free” credit reports often enroll you in costly memberships that provide little (if any) benefit to you. These websites also may try to sell products of dubious worth or they may try to collect your personal information.

Hire BCJ Law to help!

If you’re having credit report problems, contact BCJ Law LLC for help. To speak with our credit report attorney, call 1-800-997-5561 or complete our contact form.

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