Free Anual Credit Report Instant : Always type the URL directly into your browser to avoid fraudulent "look-alike" websites that may charge fees or steal personal data. : Requesting your own credit report is considered a "soft inquiry" and will not lower your credit score . free anual credit report : Call (877) 322-8228 to request your reports by phone. Mail : Download the request form and mail it to: : Always type the URL directly into your You can get your free credit reports through the official website AnnualCreditReport.com . This is the only site authorized by federal law to provide free credit reports from the three major national credit bureaus: Equifax, Experian, and TransUnion. How to Request Your Report Mail : Download the request form and mail : These free reports contain your detailed credit history but do not include your actual credit score . : While federal law mandates one free report every 12 months, the three bureaus currently offer free weekly online reports to help consumers monitor their credit.
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