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Free Annual Credit Report by Mail or Phone

Consumers often ask where they can get a copy of their free annual credit report by mail, or where can they call to order their report over the phone.

Well, Congress made a provision in the FACT Act that covers this situation where consumers are not able to order their reports on the Internet, or maybe they just prefer not to use the Internet.

To get your free annual credit report by calling in your application, call toll free 1-877-322-8228.  This is the phone number for the Central Source that Congress designated for consumers to get their free annual credit report.

For consumers who want to request their credit report by mail, you can download or print a copy of this form to send to the Central Source1:


Follow the instructions on the form and mail it to:

Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281

Your report will generally be processed in fifteen days and mailed to you regular US Mail.



1 Form to Request Free Yearly Credit Report by Mail