Free Credit Report Information

As of September 1, 2005, the new FACT Act law permits West Virginia residents to order one free copy from each of the nationwide credit reporting companies every twelve months

There are three ways to order your free credit report...

  • Click here for online: 
  • Toll free number: 1-877-322-8228
  • Mailing an annual Credit Report Request Form (available from the Federal Trade Commission to:


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


Information you must provide when applying…

Your full name, address, social security number, date of birth and your previous address if you have moved within the last two years.

Avoid scams when obtaining your annual credit report...

Never give out your personal information to scammers requesting it in exchange for a free credit report via e-mail or over the telephone. Under law, only consumers can initiate the process, not the credit reporting agencies or government agencies.

The Federal Trade Commision wants to hear from you if you paid for what you thought was your free annual credit report. Go to and click 'File a Complaint' on the menu.

The Federal Trade Commision also wants you to forward any unsolicited e-mails you've received offering you a free annual credit report. Send them to