#free anual credit report
Your Free Credit Report You
Empower yourself by understanding and obtaining your free annual credit report.
You’ve probably heard about getting your free annual credit report. Under the Fair and Accurate Credit Transactions Act (the FACT Act), Equifax and each of the other two major credit reporting agencies, Experian and TransUnion, are required to provide you with one free credit report every 12 months at your request.* However, is checking your free credit report annually enough to keep you aware of your credit activity?
Getting Your Free Credit Report
Under the Fair and Accurate Credit Transactions Act (the FACT Act), Equifax and each of the other two major credit reporting agencies, Experian and TransUnion, are required to provide you with one free credit report every 12 months at your request. Find out how to get get your free credit report and see if you could be doing more to understand your credit activity.
You can request your free credit report one of several ways*:
- Visit annualcreditreport.com
- Call 1-877-322-8228
- Complete the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281
It’s important to remember, however, that your free credit report does not include your credit score.** Your credit score is generated by information on your credit report but is not part of the credit report itself. Your Equifax Credit Report is a compilation of information about you and your credit history that has been reported to Equifax by others, mostly by those who granted you credit. Your credit score, on the other hand, is a number calculated using the information in your credit report. The score projects the level of risk you pose to a potential lender.
- Two common scoring models are VantageScore and the FICO score.
- Large creditors may use a customized scoring model. For example, car dealers may use a scoring model that focuses on car payment history.
- When lenders request your credit report, they often choose to receive a credit score at the same time.
If you choose to receive your yearly, free FACT Act credit report disclosure from Equifax, you also have the option of purchasing your FICO credit score or you can simply purchase Score Power from Equifax as well! Score Power provides your FICO score along with a detailed analysis and explanation of the impact your score can have. If you’d like to obtain your credit report from all three national credit reporting agencies AND your FICO credit score, Equifax can provide you with a complete picture of your credit reports and score with a 3-in-1 Credit Report with Score Power !
*Please note that while Equifax is pleased to provide you with information about your free annual credit report, the Official Website under the FACT Act from which you may obtain your free credit report is www.annualcreditreport.com.
** Although the free credit report to which you are entitled under the FACT Act does not include your credit score, you may also purchase your credit score upon request when you obtain your free credit report from the Official FACT Act Website.