Obtaining a Personal Credit Report

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Through December 31, 2023, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.

Dear Experian,

Do I need a current copy of my Experian credit report in order to speak to a person at Experian?


Dear MIN,

No, you don't. However, when you request your personal credit report directly from Experian, you will receive dispute instructions that include a toll-free telephone number, mailing address and Internet address. Having a current report enables Experian's representatives to answer your questions or process your disputes most effectively.

How to Order a Copy of Your Credit Report

You can request a free copy of your personal report at www.annualcreditreport.com. If you have already received your free annual report, there are other options. . If you have recently had adverse action taken against you, the notification you received will direct you to contact the credit reporting agency that was used in making the decision to request a free report. If Experian was used, you can request that free report by going to Experian's Report Access.

Finally, you can obtain a free copy of your Experian credit report anytime by going here.

Disputing Information on Your Experian Credit Report

Your Experian credit report will include instructions on how to dispute any information you believe to be incorrect.

Many disputes can be entered directly online, which directs the request immediately to the source of the information and can speed up the process for you. But, if you need personal assistance, it is available. With your current Experian report at hand, you can enter your report number or identification information in our automated phone system and select operator or agent to speak to a consumer assistance representative.

Thanks for asking.
- The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.