May 14, 2020

Given rising financial concerns and increasing fraud schemes due to the Coronavirus pandemic, monitoring your credit report is more critical now than ever. Recognizing the importance of credit monitoring during this time, the three credit reporting bureaus – Equifax, TransUnion, and Experian – are now offering free weekly credit reports through April 2021.

Typically, we recommend checking your Equifax report at the beginning of the year, TransUnion mid-year, and Experian at the end of the year so you can best spot changes or discrepancies. If you have concerns about missed payments, collections, or fraud, we recommend checking your reports at least monthly or more frequently to monitor for issues. 

How to request your free credit report

Requesting your free credit report is easy and can be done online, by phone, or by mail. And checking it does not affect your score. Here’s how:

  • Online – Visit to request your credit report from any of the three credit bureaus. This website is authorized by the Federal government and the only recommended website to obtain a fully accurate report. Once you are verified, you’ll be able to download and print your report immediately.
  • By phone – Simply call (877) 322-8228 to reach the Annual Credit Report Request Service Center to be verified by phone. Your report will be mailed within 15 days.
  • By mail – Print and fill out the credit report request form and mail to the address below. Your report will be sent to you by mail within 15 days.

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Monitoring your credit report

Once you receive your report, you may have questions about how to read it or report errors. Here are some resources to help:

We’re here to help

If you have questions about your credit report, let us know. We are here to help.