An amendment to the federal Fair Credit Reporting Act requires each of the nationwide credit reporting companies to provide you with a free copy of your credit report, at your request, once every 12 months.

Three ways to request your free credit report

The three companies — Equifax, Experian and TransUnion — have set up one central service through which you can order your free annual report. You should not order free credit reports directly from the credit reporting agencies.

Request your free annual credit report online, by phone or by mail.

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

Report ordering tips

  • When you order your reports, request that no more than the last four digits of your Social Security Number appear on copies of your credit report.
  • While you may decide to do so, you are NOT required to purchase or subscribe to any other services from a credit reporting company in order to get a free credit report.
  • Consider marking your calendar to request a report from a different company every few months, as a preventative measure against ID theft, rather than ordering all three at one time.
  • Beware of emails, Internet ads and telemarketing calls that promise to obtain your "free annual credit report" on your behalf. In particular, email messages or Internet ads claiming to be from are likely to be scams.

If you have any questions or if we can help you in any way, please contact Member Services at (804) 323-6800 or (800) 285-6609.