What is the free credit report site from the government

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Get Your Free Credit Report

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myEquifax™
AnnualCreditReport.com
Free Equifax Credit Report In Spanish
More than one annual credit report

As a New Jersey resident, you are entitled to one free copy of your credit report from each of the three nationwide credit reporting agencies (Equifax, Experian and TransUnion) once a year.

Under the 2003 Fair and Accurate Credit Transactions Act, every American has the right to a free copy of their credit report from each of the nationwide agencies. AnnualCreditReport.com is the official site to help consumers to obtain their free credit report from the nationwide agencies. This central site allows you to request free reports once every 12 months.

Consumers should request their free reports in one of these three ways:
1.	Go to www.annualcreditreport.com (the only authorized source for consumers to access their annual credit report online for free).
2.	Call toll free 1-877-322-8228
3.	Complete the form, available from the Federal Trade Commission (FTC), and mail it to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.

You'll be able to order all three credit reports at one time, or you may consider staggering the reports at different times throughout the year. You should review your credit report from each credit reporting agency at least once a year.

The new ruling doesn't replace the other ways to receive a free credit report. If a company denies you credit, insurance or a job because of something in your credit report, that company has to tell you which credit agency provided the information. You are entitled to a free credit report from that agency within 60 days of being turned down.

Contacting Credit Reporting Agencies Directly

Although it is no longer necessary, New Jersey residents may wish to contact each of the credit reporting agencies directly. (As a New Jersey resident you are entitled to one free copy of each credit reporting agency's credit report once a year.)

Things to Note...

If you desire to receive the reports more frequently, the agencies will charge you for them. (Cost per report ranges from $9 to $40 per report, depending on the agency.)

If you find an error, the credit reporting agency must investigate and respond to you within 30 days.

If you are in the process of applying for insurance, immediately notify the insurance company of any incorrect information in your credit report.

Need to file a complaint against a credit reporting agency? Use this form or contact the Federal Trade Commission (FTC).

OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.

You will need to download the latest version of Adobe Acrobat Reader in order to correctly view and print PDF (Portable Document Format) files from this web site.

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Article Highlights

You can receive Equifax credit reports with a free myEquifax account.
You can access free credit reports from each of the nationwide credit bureaus at annualcreditreport.com.
You can request these free annual credit reports online, by phone, or by mail.
In addition to receiving a free credit report, you can now also receive your credit report in Spanish from Equifax.com or by calling Equifax Customer Care.

If you want to check your credit reports there are several ways that we'll discuss below.

myEquifax™

We offer your Equifax credit report when you create a myEquifax™ account. Just look for “Equifax Credit Report” on your myEquifax dashboard.

AnnualCreditReport.com

You may already know that you're entitled to a free credit report from each of the three nationwide credit bureaus.

By visiting annualcreditreport.com, you can request credit reports from the three nationwide credit bureaus — Equifax®, Experian® and TransUnion® by visiting annualcreditreport.com or by contacting the Annual Credit Report Service via phone or mail:

By calling: (877) 322-8228;
By mailing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

These reports do not include credit scores. For more information on how to request your credit report by mail visit annualcreditreport.com.

Please note until the end of 2023, you are currently eligible to receive free weekly credit reports online.

Free Equifax Credit Report In Spanish

Additionally you can receive your Equifax credit report in Spanish. Equifax is the first and only credit bureau to offer a free, translated credit report in Spanish online and by mail.

There are two ways to request your Spanish credit report, online or by phone.

You can visit: www.equifax.com/micredito or call Equifax customer service 888-EQUIFAX (1-888-378-4329) and press option 8 to begin requesting your free credit report in Spanish.

Find out more information on how you can get your credit report in Spanish.

More than one annual credit report

You could be eligible for an additional credit report under the Fair Credit Reporting Act during any 12-month period if you meet one of the following requirements:

You are unemployed and intend to apply for employment within 60 days;
You receive public welfare assistance;
You believe your credit report contains inaccurate information due to fraud.

You are also entitled to a free copy of your credit report if you meet these requirements:

You have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days.
You have placed a fraud alert on your credit reports.

If any of these situations apply to you, you can request your additional free copy of your Equifax credit report:

Online at Equifax.com/FCRA
On our automated phone line: (800) 685-1111. Hours are 7:30 a.m. — 1:30 a.m. ET.
By mail to: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.

If you're sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, and date of birth. For your protection, you will also need to verify your identity through an acceptable form of identification. Find out more about acceptable forms of identification.