• On the Internet: www.annualcreditreport.com
• On the phone: call 1-877-322-8228
• By mail – complete the Annual Credit Report Request Form found at:
  https://www.annualcreditreport.com/cra/requestformfinal.pdf - PDF 41k (PDF Help)
  and mail to:
  Annual Credit Report Request Service
  P.O. Box 105281
  Atlanta, GA 30348-5281

Do not contact the three nationwide consumer reporting companies individually.

For more information visit:

• Your Access to Free Credit Reports (www.ftc.gov)

Credit Reporting Agencies

If you do need information about the specific national agencies it is provided below.

Equifax (www.equifax.com)
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111

Experian (www.experian.com)
P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)

Trans Union (www.transunion.com)
P.O. Box 1000
Chester, PA 19022
1-800-916-8800

• Consumer Alerts - Fair and Accurate Credit Transactions Act (FACT Act)

There are a variety of local credit reporting agencies as well. Check your local telephone directory under headings such as "Credit Reporting Agencies" for names of similar companies in your area.

Credit Scores

To find out about your credit score – what it is and how it affects you, visit:

• Credit Scoring (www.ftc.gov)

Fixing Credit Reports

If your credit report contains inaccurate information, or the report shows accounts that you never applied for, how do I have this information removed? For information, see:

• How to Dispute Credit Report Errors (www.ftc.gov)

Bankruptcy and Negative Information

A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for ten years. For more information see:

• Your Access to Free Credit Reports (www.ftc.gov)

Credit Reports and Divorce

If you had a joint account with your spouse, you are both responsible for the debt even if you are divorced. For more detailed information see:

• Credit & Divorce (www.ftc.gov)
• Cosigning a Loan (www.ftc.gov)