There are currently three consumer credit reporting companies nationwide: Equifax, Experian and TransUnion. The FACT (Fair and Accurate Credit Transactions) Act gives consumers the right to request a free report annually from each of these major credit bureaus.
To get your free credit report, visit www.annualcreditreport.com. A copy can also be requested by calling toll free (877) 322-8228 or by completing the Annual Report Request Form through the Federal Trade Commission’s website (www.ftc.gov) and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. Each option allows consumers to make a single request to get copies of their reports from all three credit reporting companies.