How do I get my free credit report?  Federal law provides consumers with the right to receive one free credit report (annual file disclosure) from all three nationwide consumer reporting agencies, Experian, Equifax and Trans Union, once in a twelve month time period.  The Fair Credit Reporting Act (as amended by the Fair and Accurate Credit Transactions Act) gives consumers the right to a free credit report once in a twelve month period – NOT once per year.  15 USC 1681j.

Federal law also requires Experian, Equifax and Trans Union to maintain a central source for consumers to be able to make a request for all three credit reporting agencies’ report by phone, mail and internet (a 3-in-1 source, if you will).  The internet website is This website is required by federal law, so don’t be fooled by websites with similar names (LIKE FREECREDITREPORT.COM)  or that mention you can get a free credit report in their TV ads!

If you have requested your free credit report from Experian, Equifax or Trans Union, and they charged you for it, failed to send it to you, or did not give you the report within 15 days of your request for a free annual disclosure, then you may entitled to recover money damages.

Contact consumer credit attorney Micah Adkins for more information about your right to obtain a free credit report.