It is extremely important for you to routinely check your credit report for inaccuracies that may be negatively affecting it, such as collections and hard inquiries, especially if they do not belong to you.

By federal law, you are allowed to obtain your credit report from each of the three credit reporting agencies ( TransUnion, Experian, and Equifax) for FREE every 12 months.

It is easy to obtain your free annual credit report from the three agencies online. Simply visit You will be asked to enter your information and correctly answer a few questions to confirmed, you will be redirected to each of the agencies you wish to obtain your credit report from. It is recommended that you either print your credit report or save it to your local computer hard drive in case you accidentally close the tab, since you will need to pay if you would like to see it again before the new 12-month period ends.

Not computer savvy or keep getting an error message? You can also obtain your free credit reports by calling (877) 322-8228.

Lastly, you can also request your credit reports by mail :

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Just be sure to include your name, Social Security number, current and previous addresses, date of birth, and phone number. To verify your identity, you will also need to include a copy of document of each of the 2 categories below.

To validate ID:

Valid driver’s license
Social Security card
Pay stub
W2 form
1099 form
Court documents for legal name change
Birth certificate
Marriage certificate
Divorce decree
State ID
Military ID

AND to validate your address:

Valid driver’s license
Utility bill with the correct address (gas, water, cable, residential phone bill)
Cell phone bill
Pay stub
W2 form
1099 form
Rental lease agreement/house deed
Mortgage statement
Bank statement
State ID