Free Credit Reports

Many other websites claim to offer free credit reports, free credit scores, or free credit monitoring. But, be careful. These sites are not part of the official annual free credit report program. And in some cases, the free product comes with strings attached. For example, some sites sign you up for a supposedly free service that converts to one you have to pay for after a trial period ends. If you dont cancel during the trial period, you may be agreeing to let the company start charging fees to your credit card.

Advertiser Links for Free Credit Reports
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These sites often look like the official site at Some use terms like free report in their names; others have website names that purposely misspell n the hope that you will mistype the name of the official site. Some of these imposter sites direct you to other sites that try to sell you something or collect your personal information.

If you get an email or see a pop-up ad claiming its from or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message its probably a scam. will NEVER send you an email solicitation for your free annual credit report, use pop-up ads, or call you to ask for personal information. Forward any email that claims to be from or any of three consumer reporting companies to the FTCs database of deceptive spam at .

To order your report at, you must provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to give your previous address. To maintain the security of your file, each nationwide consumer reporting company also may ask you for information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information. Thats because the information each company has in your file may come from different sources.

To Order Your Free Annual Credit Report
  • Visit
  • Call toll-free: 1-877-322-8228

Mail your completed Annual Credit Report Request Form to:

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

All information courtesy of the Federal Trade Commission