Free Annual Credit Report

Yearly Free Credit Report

Under The Fair Credit Reporting Act (FCRA), every individual is given certain rights as an unemployed person if they are considering applying for the job. One of these rights, is access to a Yearly Free Credit Report provided by the consumer reporting agencies Equifax, Experian, and Trans Union. Under federal law, they are required to disclose your credit file to you once a year at no charge. To get a yearly free credit report online now, you can visit Free Annual Credit Report to ensure that your credit report is as it should be.

If you apply to get your free yearly credit report from the government website, make sure that you have certified in writing that:

• You are unemployed and you intend to apply for employment within the next 60 days
• Or, your are a recipient of public welfare assistance

This kind of request can be repeated ever year to receive your free yearly credit report as long as you still meet the conditions.

Review Your Credit Report Yearly

If you wish to apply for your free yearly credit report by mail or by phone, you can contact them at:

Equifax Credit Bureau
P.O. Box 740241
Atlanta, Ga. 30374
(800) 685-1111
www.equifax.com

TransUnion Credit Bureau
P.O. Box 1000
Chester, Pa. 19022
(800) 916-8800
www.tuc.com

Experian Information Solutions
(Formerly TRW)
P.O. Box 2104
Allen, Texas 75013
(800) 397-3742
www.experian.com

If you instead want instant access to your free yearly credit report, you can get it online in less than 5 minutes at Free Annual Credit Report.