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Obtaining Your Credit Report from the Credit Repositories

Federal law requires that the credit repositories provide consumers one free copy of their credit report each year. You can access a copy of your credit report from

Credit Repositories

The three major credit repositories can be reached directly at the following locations:

  • TransUnion: Visit online at To report fraud or suspected identity theft, call (800) 680.7289.
  • Experian: Visit online at To report fraud or suspected identity theft, call (888) 397.3742.
  • Equifax: Visit online at To report fraud or suspected identity theft, call (888) 766.0008.
Identity Theft

Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information without authority to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name.

If you think that you have been a victim of identity theft you have a number of rights and resources to protect you, including placing a Credit Freeze on your consumer file to prevent all access to your information without your consent.

How do I place a freeze on my credit reports?

To place a freeze on your consumer credit report, you must contact each of the nationwide credit reporting companies at the numbers listed below:

  • Equifax — 1-800-349-9960
  • Experian — 1-888-397-3742
  • TransUnion — 1-888-909-8872

You’ll need to supply your name, address, date of birth, Social Security Number and other personal information. There is no cost to freeze your credit. After receiving your freeze request, each credit reporting company will send you a confirmation letter containing a unique PIN (personal identification number) or password. Keep the PIN or password in a safe place. You will need it if you choose to lift the freeze.

How do I lift a freeze?

A freeze remains in place until you ask the credit reporting company to temporarily lift it or remove it altogether. A credit reporting company must lift a freeze no later than three business days after getting your request.

If you opt for a temporary lift because you are applying for credit or a job, and you can find out which credit reporting company the business will contact for your file, you can save some money by lifting the freeze only at that particular company.

For more useful tips on what to do if you’ve been a victim of identity theft, click here to download our Remedying the Effects of Identity Theft PDF.

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