Nationwide credit reporting companies
Equifax, Experian and TransUnion
These are the three largest nationwide providers of consumer
Their reports contain:
Information about your payment history (submitted by credit
card companies, home and auto lenders, and other creditors).
Experian also reports some positive rent payment data, i.e.,
payments that are made as agreed between tenants and
landlords. See Experian RentBureau below for more
How much credit you have.
How much credit you use.
Information from debt buyers and collectors including
Public information, like bankruptcies, liens and judgments.
Each of these companies will provide one free credit report
every 12 months if you request it.
AnnualCreditReport.com will route you to any of the three
nationwide CRAs you select. Before giving you a copy of your
report, each of these three CRAs will ask you questions to verify
your identity. These questions are designed to be those only you
If you run into difficulty getting your free Equifax.com, Experian or
TranUnion.com annual credit report(s) from AnnualCreditReport.com
or its toll-free phone number, try contacting the respective CRA(s)
directly for help:
Equifax, 800-525-6285 (Option 6)
Experian.com, 888-397-3742 (Option 2 followed
Annual Credit Report
P.O. Box 105281
Atlanta, GA 30348-5281