How to Obtain Copies of Your Credit Reports.

As part of the Federal Fair and Accurate Credit Transactions (FACT) Act, every Mississippi Resident is eligible to receive one free Personal Credit Report every 12 months from each of the nationwide credit reporting companies. To learn more, please visit the FACT Act Central Site located at:  annualcreditreport.com.  Any other web site offering you free credit reports is a scam.  There are no free credit reports available other than on this site.

To order your free credit reports chose one of the following methods, Internet, Mail or Telephone:
1.    Go to the internet site at annualcreditreport.com and order or print online.
2.    Print out the Annual Credit Report Request Form and mail it to:
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
3.    Call 1-877-322-8228 and order by phone.

Be very careful that you DO NOT agree to arbitration if you order the reports online.

Do not contact the three nationwide consumer reporting companies individually for your free annual reports. They provide free annual credit reports only through the above web site, the above telephone number, or by mail.

Note- if you have been turned down for credit in the past 60 days, then you are entitled to get a free report directly from each of the three nationwide credit bureaus each time you are denied credit.  In addition, you may also order a report  from them at anytime and if you pay their credit report fee, usually around thirty dollars.

You can reach the three Credit Bureaus at:
EQUIFAX    equifax.com   800-685-1111   POB 740256,  Atlanta, GA 30374
EXPERIAN    experian.com  888-397-3742   POB 2002,  Allen, TX 75013
TRANSUNION   transunion.com  800-888-4213   POB 1000,  Chester, PA 19022