How to Obtain a Copy of Your Credit Report

Free credit reports

Due to the passage of the 2003 Fair and Accurate Credit Transaction Act (FACTA), all Americans are entitled to one free credit report from each of the three major credit reporting agencies — Equifax, Experian and TransUnion — upon request every 12 months. There are several ways you can request your free credit report:

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

Residents of Georgia are entitled to one free copy of their credit report each 12 months from each of the three main credit agencies per federal law and one free copy of their credit report each 12 months from each of the three main credit agencies to satisfy their state’s law.The second free report can be obtained by directly calling each credit bureau:

If you have any difficulty ordering this free report over the phone or internet , you may also write to each bureau:

Equifax
P.O. Box 740256
Atlanta, GA 30374		 Experian
P.O. Box 2002
Allen, TX 75013

TransUnion
P.O. Box 2000
Chester, PA 19022

Include the following info in your letter. Be sure that each person requesting the report signs and dates the request.

  • Your full name
  • Date of birth
  • Current and former address
  • Social Security number
  • Your spouse’s name
  • Your phone number