Free Annual Report
Your credit score represents the creditworthiness of you as an individual or your business. A credit score predicts the likelihood that you will repay your debts.
Your business credit score determines your access to capital, rates on rental space, insurance and other business needs.
The score is comprised of data from the three major credit bureau.
These major national credit bureaus may charge you a fee for a copy of your credit report. However, an amendment to the Fair Credit Reporting Act  requires each of the credit bureaus to provide you with a free copy of your credit report once every 12 months.
Get Your Free Credit Report
To obtain a free copy of your credit report :
- Visit AnnualCreditReport.com , or
- Request your free credit report by phone by calling 1.877.322.8228. Deaf and hard of hearing consumers can access the TTY service by calling 711 and referring the Relay Operator to 1.800.821.7232.
To request your free credit report by mail, please complete the Annual Credit Report Request Form  (PDF document) and mail it to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
Acess your free annual credit report. 
Other Times You Are Eligible for a Free Credit Report
You may also request a free copy of your credit report in some other circumstances. Visit website about access to free credit reports  from the Federal Trade Commission (FTC) for this information. Or, call the FTC and speak to a representative for assistance. You may call them at 1.877.FTC.HELP (1.877.382.4357) or 1.202.326.2222. TTY users may call 1.866.653.4261.