Equifax, Experian and TransUnion - one free credit report every 12 months?

Question

Can I order one now and others later (for example, one credit report every four months) so that I can keep track of any changes or new information that may appear on my credit report? Equifax, Experian and TransUnion – so if I order from only one company today I can still order from the other two companies at a later date?

Answer 1

Yes. Their toll free numbers are:

Trans Union:         1-877-322-8228

Experian:               1-800-509-8495

Equifax:                 1-866-585-9451

Answer 2

Yes, to my knowledge you don't have to get all three at the same time.  You just will not be able to get any more copies of the one that you order until the year is up.  You would have to record the date that you receive each one.

Answer 3

You have to go via the website www.annualcreditreport.com, not call them up.  I get one report every 4 months and keep track of my credit that way.