How to Get a Free Credit Report

Our main areas of expertise

Equifax Credit Information Services, Inc.

P.O. Box 740256
Atlanta, GA 30374


P.O. Box 4500
Allen, TX 75013

TransUnion, LLC

P.O. Box 2000
Chester, PA 19022

Good Credit

How to Get a Free Credit Report

  1. You can get a free report once a year from This does not give you your credit score.

  2. If you are turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report.

  3. If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau.

  4. If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days.

  5. If you are on welfare.

  6. If you write to say you were a victim of fraud.

Robert Pfister