A company that gathers and sells credit information is called a consumer reporting agency (CRA). These types of companies collect information about your credit activities, store it in giant databases, and charge a fee for supplying the information. The most common type of CRA is the credit bureau. There are three major credit bureaus that operate nationwide, plus many smaller companies serving local markets.
Request Your Free Credit Report:
Online: Visit AnnualCreditReport.com
By Phone: Call 1-877-322-8228. For TTY service, call 711 and ask the relay operator for 1-800-821-7232.
By Mail: Complete the Annual Credit Report Request Form (PDF, Download Adobe Reader) and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281