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# Your Rights: Credit Reporting
- URL: https://www.foodconsumer.org/your_rights_credit_reporting_0127110625/
- Published: 2011-01-27T19:29:00.000Z
- Updated: 2026-09-22T18:39:57.000Z
- Description: Under the Fair Credit Reporting Act, Equifax, Experian and TransUnion must each give you a free credit report once every 12 months, ordered online, by phone or by mail. The FTC warns that misspelling annualcreditreport.com can land you on imposter sites.
- Author: Food Consumer
- Tags: Miscellaneous, Health News, #vivvo-import

#   

### Summaries of Rights

- [Fair Credit Reporting Act](http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf?ref=foodconsumer.org)
- [Identity Theft](http://www.ftc.gov/bcp/edu/pubs/consumer/idtheft/idt09.pdf?ref=foodconsumer.org)

The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, [**Your Access to Free Credit Reports**](http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm?ref=foodconsumer.org), explaining your rights under the FCRA and how to order a free annual credit report.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

### How do I order my free report?

You can order your free annual credit report online at [**annualcreditreport.com**](http://www.annualcreditreport.com/?ref=foodconsumer.org), by calling 1-877-322-8228, or by completing the [**Annual Credit Report Request Form**](http://www.ftc.gov/bcp/edu/resources/forms/requestformfinal.pdf?ref=foodconsumer.org) and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.

### A Warning About "Imposter" Sites

The FTC advises consumers who order their free annual credit reports online to be sure to correctly spell [**annualcreditreport.com**](http://www.annualcreditreport.com/?ref=foodconsumer.org), or link to it from the FTC's website to avoid being misdirected to other websites that offer supposedly free reports,but only with the purchase of other products. While consumers may be offered additional products or services while on the authorized website, they are not required to make a purchase to receive their free annual credit reports.

For more information on free annual credit reports and to view another video about AnnualCreditReport.com visit [**www.ftc.gov/freereports**](http://www.ftc.gov/freereports?ref=foodconsumer.org).