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:
- Contact one of the three major credit reporting agencies (CRAs) - Equifax, Experian, or TransUnion - to request a credit report.
- You can call the following numbers:
- Equifax: 1-800-685-1111
- Experian: 1-888-397-3742
- TransUnion: 1-800-916-8800
- Provide your name, address, and Social Security number to verify your identity.
- 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).
- The representative will guide you through the process and provide instructions on how to access your report.
Mail:
- 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
- Include the following information:
- Your name
- Address
- Social Security number
- Date of birth
- A request for a free credit report
- Sign and date the letter.
- Mail the letter to the address listed above.
- 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:
- Equifax: equifax.com/personal/credit-report-request
- Experian: experian.com/credit-report.html
- TransUnion: transunion.com/credit-report
Remember to verify your identity and provide the required information to access your credit report.