Annual credit report request by mail

You can request a free annual credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) by mail. Here's how:

  1. Write a letter to each credit reporting agency:
    • Equifax: P.O. Box 740256, Atlanta, GA 30374-0266
    • Experian: P.O. Box 2002, Allen, TX 75013-2002
    • TransUnion: P.O. Box 1000, Chester, PA 19022-1000
  2. Include the following information in your letter:
    • Your name
    • Your address
    • Your Social Security number or Individual Taxpayer Identification Number (ITIN)
    • Your date of birth
    • A request for a free annual credit report
  3. Sign the letter and include a copy of your identification (such as a driver's license or passport) if you're requesting a report for someone else.
  4. Mail the letter to each credit reporting agency.

It's a good idea to request reports from all three agencies at the same time to compare the information they have on file. You can also request reports from each agency online or by phone, but the mail option is free and doesn't require any special equipment or software.

Here's an example of what your letter might look like:

[Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number] [Date]

Equifax, Experian, and TransUnion:

I am writing to request a free annual credit report from each of your companies. I would like to receive a report from each agency, and I would like it to be mailed to me at the above address.

My name is [Your Name], and my address is [Your Address]. My Social Security number is [Your Social Security Number], and my date of birth is [Your Date of Birth].

Please include a copy of my identification with the report, as I am requesting it for myself.

Thank you for your time and assistance.

Sincerely,

[Your Signature]

Remember to keep your request simple and clear, and make sure to include all the necessary information. It may take a few weeks for the reports to arrive in the mail, so be patient and plan accordingly.