How to Get a Full Credit Report

The Federal Reserve says that every consumer is entitled to receive one free credit report a year from the three major bureaus. Several companies claim to give free reports to consumers. However, free reports are often provided only after a person enrolls in a credit monitoring service. Annual Credit Report is different, and this authorized agency provides full credit reports, no strings attached.

Instructions

1

Submit your request for a free report online. Go to Annualcreditreport.com. Provide the requested information to confirm your identity such as full name, address and Social Security number. Submit the information and select which credit reports you want to view online. Annual Credit Report gives immediate access to credit information.

2

Get full credit reports from all three bureaus with a telephone request. Skip the online request form and call Annual Credit Report to get copies of your reports mailed to your home. Contact the agency by calling 877-322-8228.

3

Make a request for credit reports in writing. The third method for accessing full credit reports involves mailing a request to Annual Credit Report. Download and complete the request form available from the agency's website, and then send the completed form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281