Broken Credit Blog

The Fair and Accurate Credit Transactions Act (FACTA) makes it possible for you to obtain one free credit report each year. The Big Three CRA's (Equifax, Experian and TransUnion) have set up one central web site, toll free number, and mailing address through which consumers can order their free annual reports.

(1) Central Web Site:   -- OR --

(2) Call Toll Free: 877-322-8228  -- OR --

(3) print and complete this form and mail to:

Annual Credit Report Request Service
POB 105281
Atlanta, GA 30348-5281


In addition, you are also entitled to a free copy of your credit report if you've been denied credit, insurance, or employment and request the report within 60 days of notice, or if you can prove that (1) you're unemployed and plan to look for a job within 60 days, (2) you're on welfare, or (3) your report is inaccurate because of fraud.

You can also Opt-Out of pre-approved credit offers at or by calling 1-888-5-OPTOUT (1-888-567-8688).

Broken Credit, LLC --