By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.AnnualCreditReport.com is the only website authorized by the federal government to issue free, annual credit reports from the three CRAs. You may request your reports:Online by visiting By calling 1-877-322-8228 (TTY: 1-800-821-7232)By filling out the and mailing it to:Annual Credit Report Request ServicePO Box 105281Atlanta, GA 30348-5281, Get a free copy of your credit report every 12 months from each credit reporting company. Ensure that the information on all of your credit reports is correct and up to date., Learn how to request credit reports, what information they include, and how lenders and other organizations may use them. By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion..