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Free Annual Credit Report

Review your credit report often to make sure the information is accurate. If you see something on your report that you didn’t do, it could mean you’re the victim of identity theft.

You can get one free credit report each year from each of the three nationwide credit bureaus. The website is your portal to your free reports.

Note: when you leave that website and move to the company website to get your free report, the company will probably try to get you to sign up for costly and unnecessary credit monitoring services.

You can also get your credit reports by phone by calling 1-877-322-8228. Under North Carolina law, credit monitoring services are required to tell you how you can get credit reports for free.

To keep track of your credit during the year, request a free report from a different credit bureau every four months. You can also pay for additional copies of your credit report at any time.

Your Child’s Credit Report

Parents can place a Protected Consumer security freeze on their child’s credit reports to help prevent identity theft. Check a child’s credit report before they turn 16.

You’ll need to provide the following:
  • child’s full name
  • copy of birth certificate
  • copy of social security card
  • addresses for the past two years
  • copy of the parent’s driver’s license
  • copy of proof of residence for the parent, such as a utility bill
  • guardians should include guardianship papers

Send or submit the information to each of the three major credit reporting bureaus.


Minor Child
PO Box 105139
Atlanta, GA 30348-5139


PO Box 9554
Allen, TX 75013Or via Experian’s online form


PO Box 2000
Chester, PA 19022-2000 Or via email