Credit Card Reporting Agencies

Equifax: Call (800) 525-6285 or visit www.equifax.com
Experian: Call (888) 397-3742 or visit www.experian.com
Trans Union: Call (800) 680-7289 or visit www.transunion.com

Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.com. Other websites that claim to offer “free credit reports,” “free credit scores,” or “free credit monitoring” are not part of the legally mandated free annual credit report program.

You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months.

Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.

The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, em¬ployment, or renting a home are among those that have a legal right to access your report.

A credit reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.