Free Credit Reports

Michigan consumers can order a free credit report from each of the three major credit reporting agencies every year. You can order by mail, telephone, or online. You don't have to order all three at the same time. The credit reporting agencies (CRAs) are Equifax, Experian, and TransUnion.

To Order:

By Telephone:
Call 877-322-8228 (toll free)

By Mail:
Complete the Annual Credit Report Request Form and mail to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Online: * (see warnings below)

Warnings if you order online:

  • Beware of e-mails, banner ads, pop-up and pop-under Internet ads, and telemarketing calls that promise to obtain your "free annual credit report" on your behalf.
  • In particular, e-mail messages or Internet ads claiming to be from* are likely to be frauds seeking to trick consumers into sharing their personal information and, more likely, becoming victims of ID theft. Forward scam e-mails to the FTC at *
  • Do not order credit reports using a computer that is accessible to the public unless you are certain that adequate safeguards exist to prevent "shoulder surfing" and storage of your sensitive information on the computer, even if only temporarily.
  • Carefully type in the address of the online ordering website, click on the link above, or copy and paste the address exactly as it is above. Even one mistyped letter could take you to a fraudulent web site that looks and feels like a place to order credit reports but in fact has been set up by ID thieves to harvest your information.


If you are a victim of identity theft, you are entitled to place a fraud alert on your file and to receive copies of your credit report from each of the three CRAs free of charge, regardless of whether you have previously ordered your free annual reports.

*Links from our web site are provided for your convenience only. These linked sites are separate from our credit union's web site and EMUCU is not responsible for the content or availability of these sites or their privacy policies. In addition, a link from our web site to another does not indicate that EMUCU endorses that site's advertisers, services or policies.

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