Obtaining a Personal Credit Report

woman sitting looking at tablet screen

Experian, TransUnion and Equifax now offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com.

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 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