Free Annual Credit Report Government Agencies

Free annual credit report government agencies collect the information about outstanding debts, payment history and credit applications from companies like banks, private lending companies, utility companies, credit card companies and other lenders that create your credit report. Checking a credit report should be a part of your financial to-do list so that you will know your credit worthiness and also learn if there are errors in your credit report and the possibility of identity theft.

Three Major Credit Reporting Agencies

There are many credit reporting agencies that collect your financial-related information to create a summary of your credit worthiness. Although there are hundreds of credit reporting agencies in the United States, there are only three major free annual credit report government-approved players. These include Equifax, Experian and TransUnion.

These credit reporting agencies are publicly traded and are privately owned, but they are approved by the government, which means they need to follow the legislation known as the Fair Credit Reporting Act. The Fair Credit Reporting Act creates regulations on how these agencies should operate.

Collecting Credit Information

The credit reporting bureaus have relationships with different banks, credit card issuing companies, and many other businesses where you may have an account with. It is important to take note that not all businesses sell consumer credit information to all three free annual credit report government agencies; thus individuals may need to get one credit report from each credit reporting bureau to make a comparison.

Getting free credit reports from all three credit reporting agencies is very important so that you can review your credit history for any discrepancies. You can get your credit report every year through the Annual  The website has a link to the different websites of the three approved free annual credit reporting government agencies so that you can place a request.

Where to Get a Credit Report?

You can only request one free copy each year, but you can still get them by purchasing directly from the credit reporting agencies. Once you notice any discrepancies, contact the credit bureau to dispute any inaccurate information. Remember that an inaccurate credit report can tinge your credit worthiness so bad that you cannot get good interest rates or apply for new credit. Below is the contact information of the three approved free annual credit report government agencies:


P.O. Box 740241
Atlanta, GA 30374-0241


P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (39703742)


P.O. Box 1000
Chester, PA 19022