If you come across errors or any new credit accounts you don't recognize, correct the information with the bureaus immediately. Once you've received all of your credit reports, it's important that you review your credit information for any inaccuracies. The company Central Source, LLC runs the website, and you can call them directly at 1-87 to request your credit reports.Īlternatively, you can print out and complete a physical request form, known as the annual credit report request form, then mail it to the following address: If you prefer not to - or you’re unable to - complete the online process outlined above, you can also request your credit reports by mail and phone. You can also print or download the reports for later use. Repeat this process as necessary for each credit bureau.Īfter completing the verification steps, you'll be able to review and/or dispute your credit reports online. Summary of Money’s guide on how to get a credit report.Additional ways to acquire your credit report.How to request your credit report from a credit bureau.Here’s everything you need to know about getting your credit reports. The three credit bureaus typically charge for each additional report beyond the free annual one, but because of the pandemic and the economic uncertainty that ensued, you’re now allowed to pull a credit report for free each week until at least Dec. Thanks to the Fair Credit Reporting Act (FCRA), you can always request one free credit report a year from each of the three big credit bureaus - Experian, Equifax and TransUnion - online at. Credit reports can help you keep track of your debts and check for signs of identity theft. You are entitled to a free credit report from that agency within 60 days of being turned down.Ĭontacting Credit Reporting Agencies DirectlyĪlthough it is no longer necessary, New Jersey residents may wish to contact each of theĬredit reporting agencies directly.It’s best practice to frequently check your credit reports, which serve as a kind of financial resume outlining all of your money matters.

If a company denies you credit, insurance or a job because of something in your credit report, that company has to tell you which credit agency provided the information. The new ruling doesn't replace the other ways to receive a free credit report. You should review your credit report from each credit reporting agency You'll be able to order all three credit reports at one time, or you may consider staggering the reports at different times throughout the year. Go to (the only authorized source for consumers to access their annual credit report online for free).Ĭomplete the form, available from the Federal Trade Commission (FTC), and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. This central site allows you to request free reports once every 12 months.Ĭonsumers should request their free reports in one of these three ways:

is the official site to help consumers to obtain their free credit report from the nationwide agencies. Under the 2003 Fair and Accurate Credit Transactions Act, every American has the right to a free copy of their credit report from each of the nationwide agencies. Home > Consumer Information > Personal Finance > Credit Awareness/ID Theft > Get Your Free Credit ReportĪs a New Jersey resident, you are entitled to one free copy of your credit report from each of the three nationwide credit reportingĪgencies ( Equifax, Experian and TransUnion) once a year.

Get your credit report