NH joins the rest of the country in qualifying for a free annual credit report from each of the three nationwide consumer reporting companies - Equifax, Experian, and TransUnion. The free reports were mandated by Congress in The Fair and Accurate Credit Transactions Act of 2003 (FACTA), which requires each of the nationwide credit bureaus to provide consumers with a free copy of their credit report, at their request, once every 12 months. Consumers who want to access their credit report online can go to www.annualcreditreport.com.
Consumers also may order their free annual credit report by calling toll free, 1-877-322-8228, or mailing a completed Annual Credit Report Request form to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form can be downloaded from www.annualcreditreport.com or from the FTC's Web site. It also can be requested by calling the FTC's Consumer Response Center at 1-877-FTC-HELP. It is best to contact one agency every four months. This way it gives you a chance to check all three reports in one year but spreading it out as so you see any activity throughout the year however, you can choose to have all three done at once to compare the information.
