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Fraud, Scams & Identity Theft

Credit Report FAQ

Each of the major nationwide consumer reporting companies must give you a free copy of your credit reports, at your request, once every 12 months. To order your free annual report from one or all the national consumer reporting companies, visit, call toll-free 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, Georgia 30348-5281

You also have a right to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment. Request your report within 60 days of getting a notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company that supplied the information about you.

You also have a right to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is wrong because of fraud.

Otherwise, a consumer reporting company may charge you up to $9.50 for any other copies of your report. To buy a copy of your report, contact:




1-888-EXPERIAN (1-888-397-3742)



If you ask, only the last four digits of your Social Security number will appear on your credit reports.

National Consumer Law Center PDF Fact Sheets

Credit Report FAQ Videos

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