All U.S. consumers are now entitled to receive one free credit report each year. You may request your free credit report by:
- Phone: 1-877-322-8228
- Mail: Report Request Service, P.O. Box 105281, Atlanta, Georgia 30348-5281
When you receive your credit report, there are three important pieces of information to check:
- Identifying information: Name, address, current employment, social security number, date of birth, and spouse’s name.
- Debt: Verify that it is yours and that all matters are correctly marked closed or resolved, if applicable.
- Payments: Ensure balances are accurate and payment history is correct.