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Credit Reports

Free Credit Reports for Consumers

A provision of the Fair and Accurate Credit Transactions (FACT) Act providing consumers with access to a yearly free credit report went into effect on December 1, 2004. Each of the three nationwide credit reporting agencies, Equifax, Experian and TransUnion, will now provide you with a free copy of your credit report, at your request, once every 12 months.

Learn more about understanding your FICO score.

Get Your Reports

The three credit bureaus have established one central website, telephone number and mailing address to use for ordering your report. The credit bureaus will only be providing the free annual reports through this central location, not through their individual websites, telephone numbers or addresses.


Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

If you have questions about your credit report, please contact Members Exchange.