Free Credit Report

 

The FACT Act entitles New Hampshire consumers to one free “Personal Credit Report” each year, using a Web site called www.AnnualCreditReport.com

Consumers can also call (877) 322-8228 (toll-free) or mail a written request to:
Annual Credit Report Request Service
P.O.Box 105281
Atlanta, GA 30348-5281

---

Other Free Reports:

You may be entitled to additional free "Personal Credit Reports" within 60 days of notification that your credit was used to deny or adversely impact your efforts to secure one or more of the following:

Credit
Employment
Insurance
An apartment rental
A government license

You may also be entitled to a free “Personal Credit Report” if you have been unemployed, the recipient of public welfare, or if you have reason to believe info on your credit report is inaccurate due to fraud.

 

Warning:

A number of Web sites offer what are described as "free credit reports", but all require trial subscriptions to credit monitoring services for a fee. The AnnualCreditReport.com Web site, mandated by federal law, is marketing-free until you get to the end of the ordering process. (Then you will find plenty of advertising for additional credit services – none being nearly as valuable as the report you just got for free.)

---

If you don't qualify for a free report:

We recommend you order a copy of your "Personal Credit Report” (Consumer Disclosure) ONLINE directly from each individual repository: TransUnion, Equifax and Experian. Many "merged” credit reports that combine TransUnion, Experian, and Equifax data can make it difficult to determine which repository is reporting what information. Ordering the report directly from the repository will make the process of disputing inaccuracies easier.

 

Equifax P.O. Box 740241 Atlanta, GA 30374-0241 1-800-685-1111 www.equifax.com

TransUnion 2 Baldwin Pl. Chester, PA 19022 1-800-632-1765 www.tuc.com

Experian 701 Experian Pkwy. P.O. Box 2002 Allen, TX 75013 1-800-787-6864 www.experian.com