FREE credit report!

Remember, the law states you can get a FREE copy of your credit report annually!

Through the Fair and Accurate Credit Transactions Act (FACT Act) consumers are entitled to receive a copy of all three credit reports, annually, for free.

You need only go online to:

Enter your state of residence and follow the instructions to request a copy. IF the copy is requested online, you will have access to print it immediately from the site.

You can request a copy by phone at 1-877-322-8228 or in writing. If you request a credit report by mail, download the “request form” by going to, print and complete the form and mail to:

Annual Credit Report Request Services

P O BOX 105281
Atlanta, GA 30348-5281

If you order by phone or mail it will take up to 15 days to process.

IF you find any errors or corrections, you can dispute any item found on your report by going to:
Equifax –
Experian –
TransUnion –

It is important to monitor your credit report annually and this is an easy way to do it for FREE! (as always, if it’s FREE, it’s for me!)

Having a dream is good, owning one is better!



Leslie Pelletiere, Owner

First Class Financial Services, proudly mortgage lending since 1999!




NMLS #162494

AZDFI Loan Officer # LO-0911453

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