Time for a Yearly Credit Report

Woman analyzing credit report on paper and laptop

One way to head off fraud during tax season is to get your free annual credit report now. Credit reports often have errors in them; this quick checkup can be the first indication that some form of identity theft has taken place on your account.

The good news is that each of the major consumer credit reporting agencies is required by law to provide you with a free report once a year. Here's contact information to help you get your free credit report:


  • Telephone: 1-877-322-8228
  • Website: www.AnnualCreditReport.com
  • Via mail: (fill out the online form and mail it to the following address): Annual Credit Report Request Service. P.O. Box 105281. Atlanta, GA 30348-5281

Listed here are the three major credit agencies and how to contact them directly.


  • Telephone: 833-395-6938
  • Web site: www.transunion.com
  • Via mail: 2 Baldwin Place. P.O. Box 2000. Chester, PA 19022


  • Telephone: 1-800-685-1111
  • Web site: www.equifax.com
  • Via mail: Equifax Credit Information Service. P.O. Box 740241. Atlanta, GA 30374-0241


  • Telephone: 1.888.EXPERIAN (397-3742)
  • Web site: www.experian.com
  • Via mail: P.O. Box 9701. Allen, TX 75013

Reminder: Each agency may try to upsell you into additional paid services. If you find problems on your credit report, work through the credit bureau's process to correct the error. Also place fraud alerts on your credit agency account if you experience any kind of identity fraud.


The information in this article is written as accurately as possible and to best of the writer's knowledge. However, there may be omissions, errors, or mistakes. Because of this and changes in circumstances, the information in this article is subject to change. This article is for informational purposes only and should not serve as professional, financial, medical, emotional, and/or legal advice. Readers may rely on the information on this article at their own risk, but they should consult a CPA, financial expert, or other professional for advice. Givilancz & Martinez, PLLC reserves the right to change and handle this article series, and therefore, may remove or alter any part of this article or the comments section. Any comments inserted by readers are not the responsibility of G&M PLLC and do not represent the thoughts or ideas of G&M PLLC.