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Get Your FREE Credit Report! Since September 1, 2005, Delawareans were able to request a free credit report from any of the three credit reporting agencies. You can request your report at www.annualcreditreport.com, by mail, or by calling 1-877-322-8228. To request by mail, you will need to request a form, fill out the form, and mail it to the address on the form. You can also download the request form at the web site listed above. Reports will not automatically be mailed out. You can order all three credit reports at one time, or at different times throughout the year. It’s your choice, but you must order from the centralized agency listed above. The new ruling does not replace the other ways in which you currently can receive a free credit report. If a company denies you credit, insurance or a job because of something in your credit report, that company has to tell you which credit bureau provided the information. You are entitled to a free credit report from that bureau within 60 days of being turned down. You just have to contact that credit reporting agency directly and provide them with the company that denied you. Please do not call the credit union to receive your free credit report. You must follow the instructions listed above to receive your free credit report. It is a good idea to check your credit report every year to make sure your information is being correctly reported.
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