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North Carolina Department of Justice
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Free Annual Credit Report

Review your credit report often to make sure the information is accurate. If you see something on your report that you didn’t do, it could mean you’re the victim of identity theft.
You can get one free credit report each year from each of the three nationwide credit bureaus. To get your free report, go to or call 1-877-322-8228.  Under North Carolina law, credit monitoring services are required to tell you how you can get credit reports for free.
To keep track of your credit during the year, request a free report from a different credit bureau every four months. You can also pay for additional copies of your credit report at any time.

Check your child's credit report
Check a child's credit report before they turn 16. You'll need to provide the following:
  • child's full name
  • copy of birth certificate
  • copy of social security card
  • addresses for the past two years
  • copy of the parent's driver's license
  • copy of proof of residence for the parent, such as a utility bill
  • guardians should include guardianship papers

Send or submit the information to each of the three major credit reporting bureaus.

Minor Child
PO Box 105139
Atlanta, GA 30348-5139

PO Box 9554
Allen, TX 75013

Or via Experian's online form

PO Box 2000
Chester, PA 19022-2000

Or via email