Getting Your Credit Report, The Old-Fashioned Way

I’m sure everyone knows by now that we are entitled to our free credit reports (not the score) through AnnualCreditReport.com.

But what if you don’t have a computer and can’t go online? My mom doesn’t have a computer and asked if I could check her report today. We went through the steps, but come to find out they don’t have her on record. I looked through the site for the information she needs to call or apply by USPS mail.

I thought it would be handy to have the information all in one place, if I need it again. So this post is more for my own “second brain” purposes than anything else.

Equifax
P.O. Box 740256
Atlanta, Georgia 30374
1-877-576-5734

Experian
P.O. Box 9532
Allen, Texas 75013
1-888-397-3742

TransUnion
P.O. Box 6790
Fullerton, CA 92834
1-800-680-7289

The following states have laws that make free credit reports available: Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey and Vermont. If free credit reports are available in your state through the Annual Credit Report Request Service, you can request a free annual credit report by phone or mail and it will be mailed within 15 days. The phone number is 1-877-322-8228.

You can download this request form from Annual Credit Reports to request your reports by mail. Mail the completed form to:

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

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