![]() If you prefer not to receive such offers, visit or call toll free at 1-888-5-OPT OUT (88). This article is courtesy of the National Credit Union Administration at . Under the Fair Credit reporting Act (FCRA), Equifax is permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you. To buy a copy of your report, contact the three credit reporting agencies: Otherwise, a credit reporting agency may charge you up to $11.00 for another copy of your report within a 12-month period. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days if you're on welfare or if your report is inaccurate because of fraud, including identity theft. The notice will give you the name, address, and phone number of the credit reporting agency. If you have recently had adverse action taken against you, the notification you received will direct you to contact the credit reporting. You can request a free copy of your personal report at If you have already received your free annual report, there are other options. You must ask for your report within 60 days of receiving notice of the action. How to Order a Copy of Your Credit Report. You're also entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, based on information in your report. Other situations where you might be eligible for a free report Each company may ask you for different information because the information each has in your file may come from different sources. To maintain the security of your file, each nationwide credit reporting agency may ask you for some information that only you would know, like the amount of your monthly mortgage payment. If you have moved in the last two years, you may have to provide your previous address. You need to provide your name, address, Social Security number, and date of birth.
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