Get a Free Credit Report Every Year in New Hampshire
The FACT Act entitles New Hampshire consumers to one free “Personal Credit Report” each year using a Web site called http://www.annualcreditreport.com/
Consumers can also call (877) 322-8228 (toll-free)
or mail a written request to:
Annual Credit Report Request Service
P.O.Box 105281
Atlanta, GA 30348-5281
Other Free Reports:
You may be entitled to additional free "Personal Credit Reports" within 60 days of notification that your credit was used to deny or adversely impact your efforts to secure one or more of the following:
- Credit
- Employment
- Insurance
- An apartment rental
- A government license
You may also be entitled to a free “Personal Credit Report” if you have been unemployed, the recipient of public welfare, or if you have reason to believe info on your credit report is inaccurate due to fraud.
| Warning: A number of Web sites offer what are described as free credit reports, but all require trial subscriptions to credit monitoring services for a fee. The new Web site, mandated by federal law, is marketing-free until you get to the end of the ordering process. Then you will find plenty of advertising for additional credit services – none being nearly as valuable as the report you just got for free. |
If you don't qualify for a free report:
We recommend you order a copy of your "Personal Credit Report” (Consumer Disclosure) ONLINE directly from each individual repository: TransUnion, Equifax and Experian. Many "merged” credit reports that combine TransUnion, Experian, and Equifax data can make it difficult to determine which repository is reporting what information. Ordering the report directly from the repository will make the process of disputing inaccuracies easier.
Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
http://www.equifax.com/
TransUnion
2 Baldwin Pl.
Chester, PA 19022
1-800-632-1765
http://www.tuc.com/
Experian
701 Experian Pkwy.
P.O. Box 2002
Allen, TX 75013
800-787-6864
http://www.experian.com/
Have a question about your credit and qualifying for a mortgage in New Hampshire? Call Charley Farley at (603) 471-9300 or e-mail charley@charleyfarleyhomeloans.com.