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How do I order my free credit report?

You are entitled to a copy of your credit report from each of the three major credit bureaus annually.

Be sure you understand that this free copy does not come with counseling, advisement on how to read it, or a credit score of any kind. It is a key first step to getting a grip on your credit future, but not the last.

You can order your free annual credit report online at, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

Be Wary of False Advertising!

There are many sites that offer credit reports. Only one is offering you a free one that does not have strings attached or is offered based on the Fair Credit Reporting Act (FCRA).  That one site is

For more information on free annual credit reports and to view another video about visit


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Tom HollingHow do I order my free credit report?Fantastic web site. Plenty of useful info here. I’m sending it to some pals ans...

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TimDoes it Matter if You Rent or Own a Home?Experian may have just changed the game with their announcement today. This was...
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This site is a consumer resource courtesy of Sarma. Sarma has been a credit reporting agency since 1907. Check our web site to learn more. Copyright Sarma © 2010. All Rights Reserved
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