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How to Obtain Your Credit Reports From Equifax, Experian, and Trans Union

You are entitled to one free copy of your credit report from each of the "Big Three" credit bureaus each year (Equifax, Experian, and TransUnion).  Checking your credit reports is the critical first step to ensuring that your credit files are accurate, and also monitoring for any signs of identity theft.  If you find inaccurate information in your credit reports, the attorneys at Weiner & Sand are always happy to help you dispute and correct the errors on your credit file.

So, how do you obtain your free annual credit report?  It's easy.  Go to  You will be asked a series of questions to verify your identity, and then provided with your credit reports.  Sometimes these questions can be difficult to answer.  If that's the case, you can use any of the methods listed below, including calling the toll-free numbers to obtain your credit reports.

If you are having trouble obtaining your report through, or if you want to obtain additional reports beyond your one free annual report, either call or send a letter to:



P.O. Box 740241

Atlanta, GA 30374-0241



P.O. Box 2002

701 Experian Parkway

Allen, TX 75013



2 Baldwin Place

P.O. Box 1000

Chester, PA 19016

Beware that consumer reporting agencies may try to enroll you in hidden arbitration agreements, paid products to view your report, or even free reports that convert into paid products. Be careful to ensure you know what you are ordering and what programs, if any, you are enrolling in.  If you believe you inadvertently signed an arbitration agreement, you should seek to opt-out with a written letter to the credit reporting agency, or contact an attorney to assist in doing so.

If you have questions about how to obtain your credit report, or how to review it once you've received it, the attorneys at Weiner & Sand LLC are more than happy to assist you.

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Even if you are not sure of the law and whether your employer violated your rights, we would be pleased to discuss your concerns with you.