Equifax, TransUnion and Experian, are each required to provide consumers, upon request, a free copy of their credit report once every 12 months. The reports will not automatically be sent out. Each consumer must request their reports. Simply go to http://www.annualcreditreport.com, which is the only authorized source for consumers to access their annual credit reports online for free. You can also call 877-322-8228877-322-8228 to request your report(s).
You can order all three credit reports at one time, or at different times throughout the year. It’s your choice. But, be sure to order from the centralized agency. If you go directly to the credit reporting agencies, you will be charged unless you fit other criteria for a free report, such as: you’ve been denied a loan, insurance policy or job based on your credit report; you’re applying for unemployment or receive public assistance; and you currently reside in a state that already offers an annual free credit report from each credit reporting agency (Colorado, Maine, Massachusetts, Maryland, New Jersey and Vermont. Georgia residents are entitled to two free annual credit reports from each credit reporting agency.)