Free Credit Report

As a Michigan resident, you are entitled to order a free copy of your credit report from each of the three major credit reporting agencies every year.

This valuable service can help you detect fraudulent activity early, allowing you to take effective steps to limit the headaches you may encounter if you are a victim of identity theft.

To Order 
Online: http://www.annualcreditreport.com (See Warnings Below)

By Phone: Call 877-322-8228 (toll free)

By Mail:
Complete the Annual Credit Report Request Form and mail to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281


Warning if you order online: 

• Beware of e-mails, banner ads, pop-up and pop-under Internet ads, and telemarketing calls that promise to obtain your "free annual credit report" on your behalf. In particular, e-mail messages or internet ads claiming to be from www.annualcreditreport.com are likely to be frauds seeking to trick consumers into sharing their personal information. Forward scam e-mails to the FTC at spam@uce.gov.
• Do not order credit reports using a computer that is accessible to the public unless you are certain that adequate safeguards exist to prevent "shoulder surfing" and storage of your sensitive information on the computer, even if only temporarily.
• Your right to free credit reports does NOT require you to purchase or subscribe to any services. 
• To order online, click on the link above, or copy and paste the address. Even one mistyped letter could take you to a fraudulent web site that looks and feels like a place to order credit reports but in fact has been set up by ID thieves to harvest your information. Other sites with similar names exist and may try to sell you credit monitoring services.

If you would like a copy of the Attorney General's consumer alert: Free Annual Credit Reports - What Consumers Should Know, go to www.michigan.gov/ag. Click on the Free Credit Reports Banner on the right side of the home page.