Order a Free Credit Report


To get your free credit report from any or all three nationwide credit reporting agencies (Experian, Equifax, or Transunion), contact the Annual Credit Report Service.  Here's how:

  • online at
  • by phone at 877-322-8228, or
  • by mail at Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

downloadable form

Free Reports from Specialty Consumer Reporting Agencies


LexisNexis Personal Reports: LexisNexis compiles various reports on insurance claims, among other things. It then provides the data to various businesses or the government for certain purposes like insurance underwriting and credit transactions.  Ask the agency for a "Full File Disclosure" and mail in the request form available at:

Also, when starting to repair your credit, it's been advised to "freeze" your account in order from further score damage from inquiries.  You can ask for a temporary account freeze here:

Freeze your account with SageStream:   Sage Stream is a credit reporting agency that reports Inquiries to the Credit Reporting Agencies.

Another account that is helpful to freeze is Innovis.  Visit:

Some landlords, property management facilities, and independent rental owners can get a copy of their rental history report.  See if your landlord or apartment complex reports your rental activity.  You can download a from at or call 877-704-4519.

To get a free credit report every 12 months from Experian, Equifax, and TransUnion directly, write to:


P.O. Box 740241

Atlanta, GA 30374-0241






Credit Building Resources


Here are some resources if you need to build up your credit:


For a secured credit card, visit:

There is an App called "Pinch" that is downloadable where you can report your positive rent payments to all three credit bureaus.  You can call Pinch at 800-385-6143 or email for more information. 

Credit Builder Visa/MC Offer