Consumer Reporting Agencies (CRA)

Equifax - In the event you require a physical or mailing address, please call one of the numbers below or visit Equifax's web site.

  • To help research and respond to suspected fraud -- Fraud Division: (800) 525-6285.
  • To place a Fraud Alert on your consumer report: (888) 766-0008.

Experian (formerly TRW) - In the event you require a physical or mailing address, please call one of the numbers below or visit Experian's web site.

  • To help research and respond to suspected fraud -- Fraud Division: (888) 397-3742.
  • To place a Fraud Alert on your consumer report: (888) 397-3742.

Trans Union Corporation - In the event you require a physical or mailing address, please call one of the numbers below or visit Trans Union's web site.

  • To help research and respond to suspected fraud -- Fraud Division: (800) 680-7289.
  • To place a Fraud Alert on your consumer report: (800) 680-7289.

Free Credit Reports Are Available to Everyone in America

For information on the Fair and Accurate Credit Transactions Act's (FACT Act) requirement that entitles all consumers to one free copy of their credit report each year, and for help in reading credit reports and keeping them current and accurate, please visit Consumers Union.

Consumers are entitled to one free credit report each year from each of the three consumer reporting agencies listed above. One suggested technique to ensure the accuracy of the information in a credit report is to order one from each agency every 4 (four) months; thus receiving three (one from each) every calendar year.

To order your free credit report online,
Go to AnnualCreditReport.com ***

To Request your Credit Report by Phone:
Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you.

Request your Credit Report by Mail:
You can request your credit report by mail by downloading and filling out the request form and mailing it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

*** This is the only web site endorsed by the Federal Trade Commission. There are myriad web sites where consumers can obtain their credit report, but they are not sanctioned by the government and there may be fees and charges associated with the service provided.