Box Atlanta, GA You may get a free report from each of the three bureaus all at once, or stagger your requests throughout the year. If you request the report online, you should be able to view it immediately. Requests via telephone or mail will take approximately 15 days for processing.
If you have moved in the last two years, you may have to give your previous address. Nationwide credit reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home. Updated June 12, Whether you order your report online, by phone or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity. If you request your report online, you should be able to access it immediately.
Credit Scores The free credit reports do not include a credit score. A credit score is a number used to determine the level of risk you might represent if a financial institution were to lend to you. Many lenders use credit scores to determine whether to extend credit, and at what rate.
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Accessing Your Free Credit Report The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies—Equifax, Experian and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. Updated June 12, Accessing Your Free Credit Report.
The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. Only one website is authorized to fill orders for the free annual credit report you are entitled to under law — annualcreditreport.
If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport. You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide credit reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment.
Each company may ask you for different information because the information each has in your file may come from different sources. Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to:.
If you request your report online at annualcreditreport. If you order your report by calling toll-free , your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.
Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide credit reporting company needs more information to verify your identity. The notice will give you the name, address, and phone number of the credit reporting company.
Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a month period. Because nationwide credit reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies.