Privacy and Security

Free Annual Credit Report

Consumers in Pennsylvania have the right to access one annual credit report from each of the nationwide credit reporting companies (Equifax, Experian and TransUnion) at no cost.

Consumers may order free reports from all three nationwide consumer reporting companies at the same time - or they may order them from each company one at a time. The law allows the consumer to order one free copy of his/her credit report from each of the nationwide consumer reporting companies every 12 months.

There are three nationwide consumer reporting companies from which consumers may order the free annual credit report: (Equifax, Experian and TransUnion)

*Download the form from www.annualcreditreport.com, the Federal Trade Commission (FTC) web site www.ftc.gov/credit.  You can also call the FTC's Consumer Response Center at 1-877-FTC-HELP.

The following consumer education brochures are available online:

• "Your Access to Free Credit Reports" http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm
  
  
• "Want a Free Annual Credit Repor?" http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt156.htm