Request a Copy of Your Credit Report - Do it Yourself

Authored By: Legal Services State Support
Step 1 Step 2 Step 3 Step 4 Click "Proceed" above to get to the guided interview. If you only want the form by itself, click "PDF" below.

Step 1

About this Program

Welcome! This free program helps you create a letter to request a credit report. It will also tell you if you can get your credit report for free.

The program works by asking you questions. It uses your answers to fill out your letter. You can print your letter and send it the credit bureaus.

It should take less than 15 minutes to get through the interview. If you don't have enough time to finish, save your answers by creating an account with LawHelp Interactive. You can create an account now or any time during the interview.

Before you start the interview, you need to read the instructions on the next 3 tabs. 

To continue, click on the green Step 2 tab above.

Step 2

About this Letter to Request a Credit Report

There are 3 different credit bureaus: Equifax, Experian and Trans Union. This program can create a letter for each credit bureau.

You can get a free credit report every 12 months. If you have already gotten a credit report in the last 12 months, you can still get a free copy if:

  • your credit report was used against you in the last 60 days,
  • you are unemployed and plan to look for a job within 60 days,
  • you are getting public assistance, or
  • your report is wrong due to fraud.

 Read the Credit Reports Fact Sheet for more information.

To continue, click on the green Step 3 tab above.

Step 3

What Does Your Computer Need?
This interview will only work on a desktop computer. If you only have a mobile device, go to a library or other location with a desktop computer and printer. If you are at a library, you can skip this step of instructions. Public computers already have these programs installed. If you are using your own computer, make sure your computer has the following:

1.   Microsoft Word or Word Viewer

If you don't have Microsoft Word, you can use Word Viewer to view, copy, and print your forms (but it won't let you make changes.) Click here to get Word Viewer for free.

(Note: Microsoft Word Pad is not the same as Microsoft Word and will not work with this program.)

2.   Adobe Flash Player

If you don't have Adobe Flash Player, click here to get the newest version for free.

To continue, click on the green Step 4 tab above.

Step 4

Click "Proceed" above to get to the guided interview. If you only want the form by itself, click "PDF" below.


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