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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)

Order a free credit report

Use the any of the following options:

  • Visit www.annualcreditreport.com (Consumers should close their Internet browser after obtaining their report to ensure a secure transaction).
  • Call toll-free: 1-877-322-8228
  • Mail a completed Annual Credit Report Request Form* to:
  • Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

*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:

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