Federal law guarantees at least one free report from each bureau every 12 months.

AnnualCreditReport.com is the by federal law to provide free reports from the three major bureaus: Equifax, Experian, and TransUnion.

Use the Annual Credit Report Request Form and mail it to P.O. Box 105281, Atlanta, GA 30348-5281. Frequency of Access

Many experts suggest rotating your requests (e.g., one bureau every four months) to monitor your credit year-round. Free Credit Reports - FTC Consumer Advice

Be wary of other sites with similar names that may charge fees or require "free trials". Request methods: Online: Visit AnnualCreditReport.com for immediate access. Phone: Call 1-877-322-8228 .