a consumer is checking his credit score over the phone

Getting Your Free Annual Credit Report

How to get a free credit report from the three credit reporting agencies every year.

Getting Your Free Annual Credit Report

You can get a free credit report every 12 months from each of the three main credit reporting agencies: Equifax, Experian, and TransUnion.

To get your free credit report contact:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Toll-free (877) 322-8228


You can ask for reports from all three credit reporting agencies at the same time, or order them one-by-one during the year. If you order just one every four months, you will have a free credit report all year long.

County of Los Angeles Department of Consumer and Business Affairs. Last change: Sept. 22, 2014

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