: These free reports generally do not include credit scores . Scores are typically available for an additional fee or through separate free monitoring services .
: The official site requires personal identification (Name, SSN, DOB) and "out-of-wallet" security questions to verify identity. Purpose and Consumer Rights
: Reports are provided by Equifax, Experian , and TransUnion.
: While federal law requires one free report annually per bureau, these agencies have permanently extended a program allowing consumers to check their reports once a week for free via the official website.
: Complete the Annual Credit Report Request Form and send it to the Annual Credit Report Request Service in Atlanta, GA. Key Features and Frequency
There is only one authorized source for these government-mandated free reports: : AnnualCreditReport.com Phone : 1-877-322-8228