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North Carolina Department of Justice
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 www.annualcreditreport.com 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.


Your child's credit report

A new law allows parents to place a Protected Consumer security freeze on their child's credit reports to help prevent identity theft.

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.

Equifax
Minor Child
PO Box 105139
Atlanta, GA 30348-5139

Experian
PO Box 9554
Allen, TX 75013

Or via Experian's online form

Transunion
PO Box 2000
Chester, PA 19022-2000

Or via email