Free Credit Report

Know your score, review your report

Woman buying sweaters.

You are now able to get your credit report once per year free of charge.

At your request, the three major credit reporting bureaus (Equifax, Experian, and TransUnion) are required to provide you with a free copy of your credit report once every 12 months. (Because of COVID, the three bureaus are now offering free weekly online reports through April 20, 2022.)

Why Should I Get a Copy of my Credit Report?

A credit report contains information like where you live, how you pay your bills and whether you've been sued or filed bankruptcy. Landlords, lenders, insurance companies or potential employers may request this information. You should get a copy of your report to make sure the information is accurate, complete and up-to-date. Knowing what's in your report may also help guard against identity theft.

How Do I Get my Free Credit Report?

You can only access these reports through one central website, toll-free telephone number or mailing address.

To get your free annual credit report, go to or call 877.322.8228.

To submit your request by mail, complete the Annual Credit Report Request Form and mail it to:

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

You may order reports from all three, just two or just one of the credit reporting agencies.

What Information Do I Need to Provide?

You will need to provide your name, social security number, date of birth and all home addresses for the past two years. For security, you may be asked additional verification questions to which only you would know the answers.

How Long Will it Take to Get my Report?

If you request online, you should be able to access it immediately. If you request by telephone or mail, it will be processed within 15 days and mailed to you.

What if I don’t Understand the Information in my Report?

Once you’ve received a copy of your credit report, trained staff at LSS Financial Counseling can help you make sense of the information in your credit report.

Get Started

Call 888.577.2227 to schedule an appointment over the phone or in person at one of our Minnesota or Wisconsin locations.


LSS Financial Counseling Service