Request annual credit report by mail

You can request a free annual credit report by mail from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) by following these steps:

  1. Go to the website of the Federal Trade Commission (FTC) at www.ftc.gov and click on the link "Order Free Credit Reports" to get the mailing addresses for each credit reporting agency.
  2. Write to each credit reporting agency at the address listed on the FTC website, requesting a free annual credit report. You can use the following sample letter:

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

Dear [Credit Reporting Agency],

I am writing to request a free annual credit report under the Fair Credit Reporting Act (FCRA). I would like to receive my report by mail.

Please send my report to the above address. I would appreciate it if you could include a copy of your credit score with the report.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Signature] [Your Name] 3. Make sure to include your name, address, and Social Security number or Individual Taxpayer Identification Number (ITIN) in your letter. This information is required to verify your identity and ensure that you are eligible for a free annual credit report. 4. Send the letter to each credit reporting agency at the address listed on the FTC website. You can expect to receive your reports within 15 days of sending your request.

Here are the mailing addresses for each credit reporting agency:

Remember to request your reports from each credit reporting agency separately, as they may not share information with each other.