It's time for your yearly credit report

One way to head off fraud during tax season is to get your free annual credit report now. Credit reports often have errors in them; this quick checkup can be the first indication that some form of identity theft has taken place on your account.

The good news is that each of the major consumer credit reporting agencies is required by law to provide you with a free report once a year. Here's contact information to help you get your free credit report:

Annual Credit

Telephone: 1-877-322-8228


Via mail: (fill out the online form and mail it to the following address)

Annual Credit Report Request Service

P.O. Box 105281

Atlanta, GA 30348-5281

Listed here are the three major credit agencies and how to contact them directly.


Telephone: 833-395-6938

Web site:

Via mail: 2 Baldwin Place

P.O. Box 2000

Chester, PA 19022


Telephone: 1-800-685-1111

Web site:

Via mail: Equifax Credit Information Service

P.O. Box 740241

Atlanta, GA 30374-0241


Telephone: 1.888.EXPERIAN (397-3742)

Web site:

Via mail: P.O. Box 9701

Allen, TX 75013

Reminder: Each agency may try to upsell you into additional paid services. If you find problems on your credit report, work through the credit bureau's process to correct the error. Also place fraud alerts on your credit agency account if you experience any kind of identity fraud.

Barry J. Pierce is a Certified Public Accountant in Kaufman.

(0) comments

Welcome to the discussion.

Keep it Clean. Please avoid obscene, vulgar, lewd, racist or sexually-oriented language.
Don't Threaten. Threats of harming another person will not be tolerated.
Be Truthful. Don't knowingly lie about anyone or anything.
Be Nice. No racism, sexism or any sort of -ism that is degrading to another person.
Be Proactive. Use the 'Report' link on each comment to let us know of abusive posts.
Share with Us. We'd love to hear eyewitness accounts, the history behind an article.