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We recommend that you request to opt-out of firm offers of credit or insurance prior to pulling credit report and to register yourself on the Do Not Call Registry to avoid trigger lead companies. We do not share your personal information; however, the 3 major credit bureaus (Experian, Equifax and TransUnion) do.  The free credit report from AnnualCreditReport.com does not include your credit score—only your credit history. However, you can purchase your credit score from the credit bureaus after accessing your free report. 

Here’s how:

Step-by-Step Instructions to Obtain Your Credit Report & Score

Step 1: Go to the Official Website

• Visit AnnualCreditReport.com.
• Ensure you are on the official site, as it is the only federally authorized source for free credit reports.

Step 2: Start Your Request

• Click on "Request your free credit reports."

Step 3: Enter Your Personal Information

You will need to provide:

• Full legal name
• Date of birth
• Social Security Number (SSN)
• Current address (and previous address if you’ve lived there for less than two years)

Step 4: Choose Which Credit Reports to Request

• You can select reports from Experian, Equifax, and TransUnion.
• You may request one, two, or all three reports.

Step 5: Verify Your Identity

• Answer security questions about your credit history.
• Each bureau may ask different questions.

Step 6: View and Download Your Credit Report

• After verifying your identity, you can view and save your free credit report from each bureau.

How to Obtain Your Credit Score (Costs & Options)

If you want to include your credit score, you must purchase it separately from each credit bureau (costs below may be updated).

• The Experian Free Membership option provides a free FICO score, but only for Experian (not Equifax or TransUnion).
• Some credit card companies, banks, and financial apps (e.g., Discover, Capital One, Chase, Credit Karma) offer free access to your score.

1. By Phone: Call 1-877-322-8228 and follow the prompts.
2. By Mail:
   • Download the Annual Credit Report Request Form from the website.
   • Fill out the form and mail it to:
     Annual Credit Report Request Service
     P.O. Box 105281
     Atlanta, GA 30348-5281