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Home Financing Library

Your Credit Report

Your credit report provides information to current and prospective creditors to help you make purchases, secure loans, and manage your personal finances. Credit grantors send updates to each of the credit reporting agencies, usually once a month. These updates include information about how individuals use and pay their accounts.

Receiving Your Free Credit Report

The Fair Credit Reporting Act requires each of the nationwide credit reporting companies—Equifax, Experian, and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. A credit report includes information on where you live, how you pay your bills, and whether you've been sued or have filed for bankruptcy.

The three nationwide credit reporting companies above have set up a central website for you to request your free credit report. You can order your free annual report by visiting the website, calling the toll‐free telephone number, or by mail through the mailing address below.

Visit annualcreditreport.com

Call 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