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Request Free Credit Report

You can download and print free copies of your credit report from Equifax, Experian and Trans Union through the FTC website once every 12 months. We highly recommend downloading and printing all three bureau reports.

When completing the questionnaire of security questions through the FTC web page, you may be requested to provide verifying information from Equifax, Experian and/or Trans Union about accounts that do not belong to you and, as a result, you may be denied the ability to obtain your report on-line.

If you cannot access your free report, simply complete and mail this FORM to Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281, or request your reports by telephone at (877) 322-8228.

By requesting the reports at the same time, you can determine whether which consumer reporting agency maintains files that have the same or other false information.  And because false and inaccurate reporting among the bureaus and the furnishers (debt collectors, banks, auto finance companies, etc.) is often like  “whack a mole” with the false and inaccurate items popping up and disappearing from time to time, a snapshot in time of all three full bureau reports is preferable.

Your free credit report does not include a credit score. We do not recommend if inaccurate information appears on your free credit report that you also purchase a score directly from the credit reporting agencies and scoring companies

CAUTION: A number of non-FTC sites will only give you a free report if you buy other products or services.  The FTC site is the only one mandated by federal law and is the preferred method of avoiding scams for allegedly “free” alternate sites that require you also sign up for goods and services or enroll you automatically in programs or scoring products that automatically renew and charge you.

CAUTION:  Be very wary of credit repair organizations that purport to be law firms offering credit repair services by submitting disputes of false or inaccurate information on your behalf.  They are regulated under federal laws themselves, and may never have an actual lawyer ever review your file.


In situations where a background screening report was prepared in connection with your potential employment or employment, you may be entitled to a copy of the report directly with your potential employer or employer.  A number of methods and legal rights are triggered under the Fair Credit Reporting Act for those who furnish these reports as well as those using them.  Contact Mengedoth Law PLLC to learn your legal rights.