Free Credit Report

Free annual credit reports are available through the following three credit reporting agencies (Equifax, Experian, and TransUnion) at (877) 322-8228 or may be ordered online at or by completing the Annual Credit Report Request form, available at and mailing it to:

Annual Credit Report Request Service

P. O. Box 105281

Atlanta, GA 30348-5281

Consumers must utilize the contact information listed above to request the free copies. Consumers who contact the reporting agencies directly will be charged for their credit reports.

How do I dispute inaccurate information on my credit report?

Contacting one of the following credit reporting agencies by address or phone number is sufficient, as they are required to report the information to each other:


P. O. Box 105873

Atlanta, GA 30348

Phone: (800) 685-1111 or (800) 977-2493

Experian Consumer Assistance

P. O. Box 2104

Allan, TX 75013-2104

Phone: (888) 397-3742

TransUnion Consumer Disclosure Center

P. O. Box 1000

Chester, PA 19022

Phone: (800) 888-4213