How to Order an Annual Credit Report by Phone

1. Call each of the three big credit agencies. The first, Equifax, can be reached at (800) 685-1111. The second, Experian, can be reached at (888) 397-3742. The third, TransUnion, can be reached at (800) 916-8800.
2. Give each company the information they request. This will include your Social Security number and the last few addresses you've lived in if you're moved in the last few years. Be sure you have your information on hand when you call.
3. Make sure it has been at least a year since the last time you requested a credit report over the phone. If you requested one less than a year ago, you will have to pay each company for your credit report.