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How do I obtain a free copy of my credit report?

Under the Fair Credit Reporting Act (FCRA), you have the right to obtain a free copy of your credit report, once every 12 months, from the three major credit reporting companies – TransUnion, Equifax, and Experian. You may request a free copy of your credit report by visiting www.annualcreditreport.com. You can also call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.