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Free Credit Report

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

Annual Credit Report Request Service
PO 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?

You must contact EACH of the three credit reporting companies at the following address or phone numbers:

PO BOX 105873
Atlanta, GA 30348
Phone: (800) 685-1111 or (800) 977-2493

Experian Consumer Assistance
PO BOX 2104
Allan, TX 75013-2104
Phone: (888) 397-3742 

Transunion Consumer Disclosure Center
PO BOX 1000
Chester, PA 19022
Phone: (800) 888-4213