Senator Coons’ constituent service team is spreading the word: everyone is entitled to a free credit report once per year.
The Fair Credit Reporting Act requires each of the nation’s consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. This legislation also promotes the accuracy and privacy of information held by the consumer reporting companies.
A credit report includes personal information, including your address, how you pay your bills and whether you have filed for bankruptcy. Nationwide consumer reporting companies provide this information to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance or employment.
It is extremely important to review your credit report regularly to make sure all the information is correct. If you spot an inaccuracy, you can work to have it resolved before the bad information impacts your ability to buy or rent a home, open a credit card, or complete other purchases.
To take advantage of your right to a free annual credit report under the Fair Credit Reporting Act, you can:
- Visit annualcreditreport.com
- Call 1-877-322-8228
- Print and complete the Annual Credit Report Request Form at ftc.gov/credit and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
- Do not contact the three nationwide consumer reporting companies directly. They are providing free annual credit reports only through the website, phone number and address listed above.
For more information on accessing your credit report, please click here .