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Annual Credit Report - Free
Unofficial Website
We'd like to make you aware of couple of things about getting free annual credit reports:
1. You still have to pay for all three FICO Credit Scores! Yes, you can now get all three credit bureaus reports for free once a
year... But what good does it do without the scores? Credit Reports by themselves don't mean much - you need to see the credit scores in order to
make an educated decision on what items to dispute with what bureau.
2. Get all three free annual credit reports at once! Why? Because they may be showing different items and so your Credit Scores will be
different too. You need to find out exactly which bureau score is lower or the lowest, and then work with that bureau's credit report to dispute
negative items. The scores from other bureaus may be higher and aren't worth time spent for dispute. Your goal is to improve your middle FICO score.
Where to get Annual Credit Report?
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When Available?
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You can order your free annual credit report online at www.annualcreditreport.com
You'll get immediate access all three-bureau reports. |
Western states - From December 1, 2004
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana,
Nevada, New Mexico, Oregon, Utah, Washington, Wyoming |
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Or by calling toll-free 877-322-8228.
Your reports will be processed and mailed to you within 15 days. |
Midwestern states - From March 1, 2005
Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin |
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Or by completing the
Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Your reports will be processed and mailed to you within 15 days of receipt. |
Southern states - From June 1, 2005
Alabama, Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi, Oklahoma, South Carolina, Tennessee, Texas |
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Eastern states - From September 1, 2005
Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, Vermont, Virginia, and West
Virginia – the District of Columbia, Puerto Rico, and all U.S. territories |
More Info
The FTC' Website on Credit
Your Access to Free Credit Reports
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