Free Credit Report

Federal law requires each of the three nationwide consumer reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

A credit report is used by a variety of companies to evaluate your application for credit. It is up to you to make sure your credit report is correct. Having a clean credit report is vital. Negative information in your credit report will lower your credit score, which is reviewed by lenders, insurers, landlords and potential employers.

You may check your credit report immediately online. Allow 15 days for phone or mail requests.

The three nationwide consumer reporting companies have set up one central Web site, a toll-free number and a mailing address through which you can order your "Free Annual Report."

on the Internet at:
www.annualcreditreport.com

or by Phone at:
1-877-322-8228

by mailing your request to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281