How to Obtain a Credit Report From All Three Agencies

A free credit report from all three credit reporting agencies can be requested once per year. TransUnion, Equifax and Experian are the three credit reporting agencies in the United States. These agencies compile information about credit history into a credit report that is typically accessed by financial institutions or other businesses offering credit.

Request a Credit Report Online

Go to the website Annual Credit Report (see Resources). This website is the only site that provides a free annual credit report from all three credit reporting agencies without any additional commitments such as signing up for a monitoring service.

To request the report online, enter your state. On the following screen, complete all of the personally identifying information. After the information has been verified, the credit report will be displayed on the screen.

Print the credit report for easier viewing and for future reference.

Request a Credit Report by Phone

Request the free annual credit report by phoning Annual Credit Report. Call the agency at (877) 322-8228.

The employee will ask for identifying information including your Social Security number, date of birth and address.

After providing all of the personally identifying information, the credit report can be processed. The report will be sent to you through the mail within two to three weeks.

Request a Credit Report by Mail

Request your annual credit report through the mail. Go to the Annual Credit Report website and download the form (see Resources).

Print the form and fill out the form. Provide all requested information to avoid the form being rejected for incompleteness.

Mail it to the address provided on the form. The annual credit report should be processed and mailed within two to three weeks of being received by the agency.


  • Reports from all three agencies should be requested as each credit reporting agency may have slightly different information available about the consumer.