You may order your free credit report each year by either
   1) Visiting  www.annualcreditreport.com
   2) Calling Toll Free 1(877)322-8228
   3) Complete the Annual Credit Report Request Form
       and mail it to:
             Annual Credit Report Request Service
             PO Box 105281
             Atlanta, GA  30348

Consumers also can order reports, for a fee, by calling the agencies' toll free numbers.

* Equifax: www.equifax.com (800)685-1111
* Experian: www.experian.com (888)397-3742
* TransUnion: www.transunion.com (800)916-8800

There is no charge, however, if a consumer is denied credit, a loan or employment and wishes to review his or her credit report. Requests must be made within 60 days of denial.
Credit-report fees can be charged to a credit card, over the phone or online.