How can I get a free copy of my credit report?
Call toll-free (877) 322-8228, order it online at www.annualcreditreport.com, or complete the Credit Report Request Form and mail it to Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281. This is a free, unconditional service mandated by Congress which does not require subscription to a credit monitoring service. All consumers are entitled to one free copy annually.
• Delinquencies (30–180 days): Can remain seven years from the date of the initial missed payment. • Collection accounts: Remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked “paid collection” on the credit report. • Charged-off accounts: Remain seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charged-off account. • Closed accounts: Closed accounts are accounts that are no longer available for further use. Closed accounts may or may not have a zero balance. Closed accounts with delinquencies remain seven years from the date they are reported closed, whether closed by the creditor or by the consumer, but the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts remain te
The Fair and Accurate Credit Transactions Act (FACT) requires the three Credit Reporting Agencies to provide one free credit report to each consumer every year. You may request your free copy of your credit reports from AnnualCreditReport.com online at www.annualcreditreport.com and via telephone at 877-322-8228.
