Free Credit Report Gov
Every 12 months you can request a free copy of your three credit reports per the Fair and Accurate Transaction Act (FACT). These reports are provided by Equifax, Experian, and Trans Union.
Keep in mind that requesting your free annual reports will not give you your credit scores. To access your credit scores you can pay an additional fee to each credit bureau or to a credit monitoring agency that can do monthly monitoring of your credit and provide you will your scores in addition to your reports.
How To Request A Free Credit Report Gov
- Annually—you can access your free annual reports through one of these three methods:
- By Phone: You can call Annual Credit Report Service at 1-877-322-8228.
- By Mail: You can download and mail in a Annual Credit Report Request Form to:
Annual Credit Report Request Service
PO BOX 105281
ATLANTA GA 30348-5281
- Online at www.annualcreditreport.com
When you request to receive your free annual credit reports, be prepared to provide personal information such as your current lines of credit, dates of past lines of credit, social security number, current employer, or your past and present address.
If you request your reports online you will receive them instantly, if you request via phone or mail you will receive them within 15 days.
Is There Any Other Time That You Can Request a Free Credit Report Gov?
Yes, there are circumstances that arise that allow you to request free credit reports under FCRA regulations. Some of these circumstances are:
- If you have been turned down for a line of credit, received an “Adverse Notice”, or received a collection notice that your credit rating may be adversely affected, you have 60 days from the denial or notification to request a free copy of your credit reports.
- If you have placed a Fraud Alert on your credit file you can request a free copy of your credit reports. You can place a Fraud Alert on your account when you suspect someone has gained access to your personal information, such as having your purse or wallet stolen. The Fraud Alert will be active on your account for 90, or longer if you call to extend. You can call each bureau directly to place a Fraud Alert on your credit file or go to:
- If you have any of these changes occur you can also request an additional free reports:
- Are recently unemployed and would like to check your credit reports to assess what information potential employers may see. Employers cannot access your credit files without your written consent.
- Have been placed on welfare.
- Have reason to believe that some type of inaccurate information or fraud has been added to your credit files.
What If I Don’t Qualify For a Free Credit Report Gov
Anybody who has received his or her free credit report Gov (freescorereportgov.com) for the year, but would still like to check the credit files can for a small fee. You can do this by:
- Signing up with a credit monitoring agency that, for a monthly fee, will give you your updated credit scores, credit reports, and alert you of any changes to your credit files.
- Contact each for the credit bureaus individually and pay a small fee to each for your reports. You can reach each of the bureaus at:
Monitoring your credit files on a regular basis is key in maintaining healthy credit scores and assisting in early detection of Identity Theft and fraud.