Appendix C: Credit Agencies
Annual Credit Reports
The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies – Equifax, Experian, and TransUnion – to provide you with a free copy of your credit report, at your request, once every 12 months. The three companies have set up one central website, toll-free telephone number, and mailing address through which you can order your free credit report. Beware of other websites that advertise free credit reports or free credit scores, many of them actually require you to sign up for an expensive monthly “credit monitoring” service. You may also contact the individual credit reporting agencies to request a free credit report if the information therein was used to deny you housing.
To Order Your Free Annual Credit Report
- Visit www.annualcreditreport.com
- Call toll-free: 1-877-322-8228
- Mail your completed Annual Credit Report Request Form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
If you want to mail in your Annual Credit Report Request form, you can find one at:
http://www.ftc.gov/bcp/conline/include/requestformfinal.pdf
Contact information for individual credit reporting agencies:
Equifax:
1-877-576-5734
www.equifax.com
Experian:
1-888-397-3742
www.experian.com/fraud
TransUnion:
1-800-680-7289
www.transunion.com
