Attention: For full functionality of this site, it is necessary to enable javascript. Here are the instructions to enable javascript in your web browser.
If you are unable to enable javascript, you can access the Sitemap.

Skip to main content

How to Get Your Credit Report for Free

Published on Tuesday, November 03, 2020
Estimated read time: minutes
Content last updated on Wednesday, February 24, 2021

Your credit report may be obtained at no cost to you up to three times a year. You may request one free copy of your credit report annually from all three major credit reporting agencies::

We recommend you request one report at a time, and space your requests out about every four months so you can monitor your credit over the course of the year. To obtain a credit report from one of the above three reporting agencies, you can do one of the following:

  1. Go to and select the red button that says "Request your free credit reports."
  2. Call 1-800-322-8228.
  3. Complete the Annual Credit Report Request form and mail it to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

The Annual Credit Report website is authorized by federal law by the Consumer Financial Protection Bureau . Other websites may offer free reports, but they may only give you a free report if you buy other products or services from them, or bill you for services that you will have to cancel later.


  This icon designates a link that leaves CapEd's website and takes you to a site we do not control. CapEd has provided this link for your convenience, but does not offer, and is not responsible for, the products, services, or overall website content available at this third-party site. CapEd's privacy policy does not apply to the linked website; you should consult the privacy disclosures on the linked site for further information.