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 An
amendment to the Fair Credit Reporting Act requires each of the
three credit reporting agencies to provide a free credit report
once every 12 months at your request. There are three ways to request
your reports:
Online at: www.annualcreditreport.com
Telephone toll-free: 877-322-8228
Mail your request with the form available
at: www.annualcreditreport.com
Credit Report FAQs:
How often can I request a report?
Should I order my report from all three agencies
at once or space them out over 12 months?
Is it safe to provide my Social Security number
to annualcreditreport.com?
How will the site confirm my identity?
Will the reports include my credit score?
How often can I request
a report?
You are entitled to receive one free report from each of the three
agencies every 12 months.
Should I order my
report from all three agencies at once or spread them out over 12
months?
It is your choice whether to order all three at once or spread the
requests out over the course of the year. The advantage of getting
them all at once is they can be easily compared, and since not all
creditors report to all three agencies, you will be able to get
a complete view of your credit-related records at a given point
in time. The advantage of spreading out your requests from the three
agencies is that you will be able to more frequently monitor changes
to your reports.
Is it safe to provide
my Social Security Number to annualcreditreport.com?
The site’s security features are designed to protect all personally
identifiable information. For added security, you can choose to
have your report display only the last four digits of your Social
Security number.
How will the site
confirm my identity?
Your identity will be confirmed by the personal identification information
you provide, your Social Security number and certain questions you
will be asked to answer. If your identity cannot be authenticated
for online delivery of your report, you will receive instructions
on how to get delivery by mail. Authentication failure is not an
indication of fraudulent activity or identity theft.
Will the reports
include my credit score?
The reports will not include your credit score, which is a mathematical
formula used by lenders to help determine whether a person qualifies
for a particular credit card, loan or service. The scoring system
estimates the probability that a person will make payments on time
for the next two to three years. If you would like your credit score
included, you may request it with your free credit report for an
additional fee.
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