How To Get Your Free Credit Reports 1. Fill-out the attached form and send it to the address indicated in the form: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 2. Call 1-877-FACT-ACT (877-322-8228) and ask for the three (3) credit reports: Equifax, Experian, and TransUnion. 3. Do both: send the and also make the telephone call. 4. Do not get the reports on the Internet. 5. Do not get the reports through other companies, for example, your bank or a credit monitoring service.