Can i request a credit report by phone or mail

Yes, you can request a credit report by phone or mail. Here are the steps:

Phone:

  1. Contact one of the three major credit reporting agencies (CRAs) - Equifax, Experian, or TransUnion - to request a credit report.
  2. You can call the following numbers:
    • Equifax: 1-800-685-1111
    • Experian: 1-888-397-3742
    • TransUnion: 1-800-916-8800
  3. Provide your name, address, and Social Security number to verify your identity.
  4. Ask for a free credit report, as you are entitled to one free report from each CRA every 12 months under the Fair Credit Reporting Act (FCRA).
  5. The representative will guide you through the process and provide instructions on how to access your report.

Mail:

  1. Write to the credit reporting agency you want to request a report from:
    • Equifax: P.O. Box 740256, Atlanta, GA 30374-0266
    • Experian: P.O. Box 9530, Allen, TX 75013
    • TransUnion: P.O. Box 1000, Chester, PA 19022
  2. Include the following information:
    • Your name
    • Address
    • Social Security number
    • Date of birth
    • A request for a free credit report
  3. Sign and date the letter.
  4. Mail the letter to the address listed above.
  5. The CRA will send you a credit report within 15 days of receiving your request.

Online:

You can also request a credit report online through the following websites:

Remember to verify your identity and provide the required information to access your credit report.