Order a Credit Report

You are legally entitled to obtain a free copy of your credit report from each of the 3 major credit reporting bureaus once every 12 months. It is a good idea to order all 3 reports if you are considering filing bankruptcy, but you don’t have to order all 3 reports at the same time, and you can rotate your requests and order one free report every 4 months if you don’t need them all to prepare for a bankruptcy.

Bankruptcy - Order a Credit Report

To request your free copy, you have three options:

  1. Visit www.annualcreditreport.com
  2. Call 877-322-8228
  3. Complete the Annual Credit Report Request Form and mail it to:Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281.

To prevent identity theft, the service asks you to provide personal information that only you would know to verify your identity. You will have to pay additional fees if you also wish to obtain your credit score.

Do not contact Equifax, Experian, or Trans-Union directly for your annual free credit report. Either use the free annual credit report service above or order your credit report from a number of different Web sites. Keep in mind will probably be required to pay for the reports from the other Web sites unless you sign up for credit monitoring or other “deals” offered online.

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