Under the Fair and Accurate Credit Transactions Act (FACTA), you are entitled to a free copy of your credit report each year. If you have been denied credit, you are also entitled to a free copy of your credit report.
While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.
Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
The request form is available at the CFPB Annual Credit Report website.