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Free Annual Credit Report Effective September 1, 2005, free annual credit reports are now available in Pennsylvania. The following link will take you to annualcreditreport.com, where you can request a free credit report by mail, phone or over the internet. https://www.annualcreditreport.com/cra/index.jsp Request your Credit Report by Phone Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you. Request your Credit Report by Mail You can request your credit report by mail by filling out the request form and mailing it to: Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281