Free Yearly Credit Report

Getting a free yearly credit report is very important so you can check if there are any discrepancies in your financial history. Fortunately, the amendment of the Fair and Accurate Credit Transactions Act (FACTA) makes it possible for people in the United States to obtain a yearly credit report from each of the major credit reporting agencies.

There are three ways for you to obtain a free annual credit report government subsidized from Equifax, Experian and TransUnion. Here we’ll discuss some methods on how you can get a free credit report for your disposal.

Request Reports Online

One of the easiest ways to request for your free yearly credit report is by doing it online. Major credit reporting agencies such as Equifax, Experian and TransUnion require you to visit the AnnualCreditReport.com website.  This website was established by the three agencies to serve as a hub for people who are requesting a yearly credit report for free.

On the other hand, you can also visit the Innovis website to file for a separate request for your credit report. Innovis is ranked as the fourth largest credit reporting agency and it also provides free annual credit reports government subsidized similar to the top three leading agencies.

Request Reports By Phone

Another way to request for your free yearly credit report is by calling a special toll-free number of the three major credit reporting agencies at 1-877-322-8228. You can request your credit reports from the three credit reporting agencies via this number. If you plan to call Innovis, it has its own hotline number at 1-800-540-2505.

To make a request, you need to complete the verification process to confirm your identity. The credit reporting agencies are very strict against identity theft, so do not be surprised if you will be asked information such as your social security number and even the names of your children. Once verified, you will be able to receive your credit report after 15 working days.

Request Reports By Mail

 The last option to get your free yearly credit report is by mailing the annual credit report request form to the credit reporting agencies. You can download it for Equifax, Experian and TransUnion websites. Innovis, on the other hand, has the downloadable form in their website. Once you fill the necessary information, you can mail the form to the following addresses:

 

Annual Credit Report Request Service                                Innovis

P.O. Box 105281                                                                     Attention: Consumer Assistance

Atlanta, Georgia                                                                     P.O. Box 1689

30348-5281                                                                             Pittsburgh, PA

15230-1689