Get Credit Reports

Getting Your Credit Report

If you've been denied credit, insurance, or employment because of information supplied by a Credit Reporting Agency, the Fair Credit Reporting Act says the company you applied to must give you the Credit Reporting Agency's name, address, and telephone number. If you contact that agency for a copy of your credit report within 60 days of receiving a denial notice, the credit report is free. In addition, you're entitled to one free copy of your credit report per year if you can prove that:

  • You're unemployed and plan to look for a job within 60 days.
  • You're on welfare.
  • Your credit report is inaccurate because of fraud.
  • Everyone is entitled to one free copy of your Experian, Equifax and Trans Union credit report once per year. The website to obtain a free copy of your credit report is www.annualcreditreport.com