There is only one official web site (www.annualcreditreport.com) where you can order a copy of all reports compiled by the three credit-reporting agenecies, Equifax, experian and Trans-union. You can also get their free reports by calling (877) 322-8228.


Here's how to contact the three major credit bureaus to ask about or obtain your credit report or credit score, alert creditors to a possible fraud using your name, or for any other reason:

Equifax: 800-685-1111 (general) or 800-525-6285 (fraud); P.O. Box 740241, Atlanta, GA 30374; www.equifax.com

Experian: 888-397-3742 (general and fraud); PO Box 2002, Allen, TX 75013, www.experian.com.

TransUnion: 800-888-4213 (general) or 800-680-7289 (fraud); P.O. Box 2000, Chester, PA 19022; www.transunion.com.

Note: While getting an annual credit report is helpful, a better way to monitor credit is through the Identity Protection Service. This service provides weekly fraud alerts, toll-free line, unlimited free credit reports and scores. Stay on top of your credit and finances.
Get Your FREE 3-in-1 Credit Report with trial! Click here!
 
Note: To "opt out" or remove your name and address from mailing lists provided by these three credit bureaus and another nationwide company (Innovis) to marketers, call toll-free 888-567-8688. See "Call the Credit Bureaus to Limit Unsolicited Offers" for more details.
 

Call the Credit Bureaus to Limit Unsolicited Offers

www.OptOutPrescreen.com is the official Consumer Credit Reporting Industry (Equifax, experian, innovis, Trans-union) website to accept and process requests for consumers to Opt-In or Opt-Out of firm offers of credit or Insurance. Are you among those who want to cut down on the number of unsolicited offers you get for credit cards and insurance? Federal law, plus a service offered by the credit bureau industry, can make it easier.

The Fair Credit Reporting Act gives you the right to "opt out" or stop credit bureaus from providing your name and address for marketing lists for credit or insurance. Call toll-free 888-5-OPT-OUT (888-567-8688), a special phone number set up by the nation's three big credit bureaus and another nationwide company called Innovis. When you call this number, you can opt out of these lists for two years or request a form to opt out permanently. If you have previously opted out and would like to be put back on these marketing lists, you can use the same phone number. FDIC Policy Analyst David Lafleur cautions that "if you have joint credit relationships, such as if you have a mortgage or a car loan with a spouse, you may still receive some solicitations until both parties opt out."