The Federal Trade Commission has issued its final rule regarding free annual credit reports under the Fair Credit Reporting Act.
The nationwide credit reporting agencies, Experian, TransUnion and Equifax have created a centralized source for processing consumer requests for free credit reports.
Following are three ways consumers can obtain their credit reports:
- By: Internet at http://www.annualcreditreport.com/
- By: Phone - (toll-free) 877.322.8228
- Writing Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281