Free Annual Credit Report Request
Under the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report from each of the three major bureaus — Experian, Equifax, and TransUnion — every 12 months. Use this letter template to request your reports by mail. Include two forms of identification and send to each bureau separately.
Equifax
Equifax Information Services, LLC
Complaint Department
P.O. Box 740256
Atlanta, GA 30374
TransUnion
TransUnion LLC
Consumer Disclosure Center
P.O. Box 2000
Chester, PA 19022
Experian
Experian NCAC
701 Experian Parkway
Allen, TX 75013
Letter Template
Make three copies of this letter — one addressed to each bureau. Fill in all bracketed fields. Include copies (never originals) of two forms of ID.
Key points
- Send a separate letter to each of the three bureaus
- Include copies of two forms of ID — never send originals
- Use certified mail with return receipt for proof of delivery
- Keep copies of everything you send
- You can also request online at AnnualCreditReport.com
- One free report per bureau every 12 months under the FCRA
- This is not legal advice — consult an attorney for your situation
Frequently Asked Questions
How many free credit reports am I entitled to per year?
Under the FCRA, you are entitled to one free credit report from each of the three major bureaus (Experian, Equifax, TransUnion) every 12 months. You can request all three at once or stagger them throughout the year.
What forms of ID should I include with my request?
Include copies of two forms of identification: your Social Security card and a government-issued photo ID such as a driver's license. Never send original documents.
Can I request my free report online instead of by mail?
Yes. The only official source for free annual credit reports online is AnnualCreditReport.com. Mailing a written request is an alternative if you prefer paper records or cannot access the online system.
How long does it take to receive my report by mail?
Bureaus typically process mailed requests within 15 business days. Sending via certified mail with return receipt provides tracking and proof of delivery.