There is only one source for the free reports, but you can request them on-line, by phone, or by mail.

Here's how:

On-line: www.annualcreditreport.com
Phone: 1-877-322-8228
Mail: Annual Credit Report Service
P.O. Box 105281
Atlanta, GA 30348-5281

Mail in Form

You can request one, two, or all three reports at a time. It's up to you. You'll have to give your name, address, Social Security number, and date of birth to get your reports. You may also have to answer some questions with information that only you would know - such as the amount of your monthly mortgage or car payment. This is to protect the security of your credit information.