Credit Report

Credit Reports

When it comes to your finances and your identity, your credit report is a very important! It can determine things like whether you get approved for a loan, how good or bad your loan terms will be and how much you are able to borrow.

Annual Free Credit Reports

Fight identity theft by monitoring and reviewing your credit report! Federal law gives you the right to obtain a free copy of your credit report every 12 months from each of the three nationwide credit bureaus.

To request your free copy of your credit reports:

  • visit
  • call 1-877-322-8228, or
  • complete the Annual Credit Report Request Form (download from website above) and mail it to the below address:
    • Annual Credit Report Request Service
      PO Box 105281
      Atlanta, GA 30348-5281


NOTE: Other companies and sites may say they offer free credit reports or are associated with, but is the only authorized place to get the free annual credit reports. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request.