Get Free Credit Reports By Mail Or Phone

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In addition to filing online at, there's two more ways to get a free credit report.

In addition to filing online at, there’s two more ways to get a free credit report.

Call 1-877-322-8228.

Or mail in this form to

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

The credit report sites will only let you get your report free for 24 hours, sometimes only once. Since some of the sites have lots of links and drop down windows, accurately printing out your credit report can be a bit of a chore.

These options are also good if you’re paranoid about sending personal information over the internet and believe the phone and mail system is a lot more secure.

This is also good if If you’re trying to help out a not-so-internet-savvy friend or family member. Using the phone or the USPS ensures they won’t be sidetracked into paying for credit report services they don’t need.

Want more consumer news? Visit our parent organization, Consumer Reports, for the latest on scams, recalls, and other consumer issues.