Free Credit Report

By law, you are entitled to a free copy of your credit report once a year from each credit bureau. You are also entitled to a free credit report if requested within 30 days of being turned down for credit.

Consumers everywhere are routinely accessing their credit reports as part of their personal financial management. Your credit report is seen as a reflection of your financial responsibility, so knowing what’s on your credit report is very important.

Credit reports typi­cally contain the following information:

  • Personal data: Your name, social security number, date of birth, and current address, as well as previous addresses and employer information
  • Credit accounts: Your credit cards and loans, including credit limits, balances, payment history, and account status (i.e. current, past due, etc.)
  • Public record information: Bankruptcies, collections, liens, and judg­ments and more.

To obtain your free report, visit, call 1-877-322-8228, or mail a request to:

Annual Credit Report Request Service
PO Box 105283
Atlanta, GA 30348-5283.

You will be given access to a free report from the following three bureaus: Equifax, Experian, and TransUnion. If you find an er­ror on your credit report, they provide simple and easy to follow instructions on how to dispute the information.


We recommend you visit and first obtain your Equifax credit report, which is the most commonly used credit report in the Northwest. Four months later, visit that web site again to view your Experian credit report. And four months later, check back to view your TransUnion re­port. This method will allow you access to a free copy of your credit report about every four months. If desired, you can also purchase your credit score when visiting that web site.

Related Pages

Your FICO® Score

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