Credit411.Com: FREE Credit Reports

This is the only real FREE way to get copies or your credit reports from Trans Union, Equifax and Experian. No credit cards or memberships are required. Ordering online may be fast, but this is the safest. To request your Free Credit Reports by Phone (it only takes 10 minutes or less) follow these easy step-by-step instructions:

Call Central Source LLC at: 1.877.322.8228. This is the ONLY truly free source for credit reports and is sponsored by Experian, Equifax and Trans Union. Once connected, simply follow the instructions. You will be asked to provide the following information:

Your home telephone number;

Your Zip Code;

Your home address;

Your last name;

Your first name;

Your social security number; and,

Your date of birth.

At this point listen closely. Be sure to select the option to order copies of all three of your credit reports. The system processes one request at a time. So, each time you are asked if you want to order another report, select "yes" until the system says you have ordered all of them.
Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

To Request your Free Credit Reports by Mail:

1. Download this request form.
(You need an Adobe viewer to view the requested form - Download Here)
2. Print and complete the form.
3. Be sure to request ALL three credit reports.
4. Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

If you are under 13 years of age or you are requesting a credit report for you child under 13 years of age, please note: The credit reporting agencies do not knowingly maintain credit files on minor children. If you suspect that your minor child's information has been used fraudulently, you should contact the credit reporting agencies directly and report the illegal use of your child's information to law enforcement. Please supply each credit reporting agency with your child's complete name, address, date of birth and a copy of the minor child's birth certificate and social security card. Additionally, please provide a copy of your driver's license or other government-issued proof of your identity, which includes your current address, and a current utility bill containing your current address so the credit reporting agencies may promptly respond to your request. The addresses for the credit reporting agencies are listed below:

Equifax P.O. Box 740256 Atlanta, Georgia 30374
Experian P.O. Box 9532 Allen, Texas 75013
TransUnion P.O. Box 6790 Fullerton, CA 92834