The Fair and Accurate Credit Transactions Act (FACTA) now requires the three nationwide consumer reporting agencies--Equifax, Experian, and TransUnion—to provide consumers with a free copy of their credit report every year.
The official web site where you can request the free reports is www.annualcreditreport.com or you may call toll free 1-877-322-8228 or mail a request form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
Please note that Mutual Security Credit Union uses Transunion for credit decisions.
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