The Law Offices of Kornis & Associates, P.C.
AnnualCreditReport.com offers 3 ways for you to obtain your credit reports.  We advise that you navigate the internet method with extreme caution. Even extreme caution that may not be enough to avoid the trap set by the credit reporting bureaus, which cause you to inadvertently purchase or sign up for some unnecessary product or service.  The site is designed to have extracted money from you by the time you complete the free credit report process. Therefore, slowly navigate through the site, reading every sentence. Note that some check boxes may need to be un-checked and vice versa.  The site seems to  change format and wording quite often, but the underlying intent to extract a dollar here and a dollar there from you remains unchanged.  Be careful, and if in doubt immediately check your bank statement or contact your bank for a transaction inquiry regarding your visit to the "free" site.  We have seen several incidents where  a client succumbed to the "free site's" tricks and inadvertenly made a product purchase. 

1. By Internet -
 Click Here 
  • To view our edited step-by-step instructions,   Click Here.
  • To download edited step-by-step instructions, Click Here. 

2. By phone -
  • Call 1-877-322-8228
  • You will go through a simple verification process over the phone.

3.  By mail -
  • Download the request form (You need an Adobe viewer to view the requested form. Download the free Adobe viewer)
  • Print and complete the form   Click Here for Form
  • Mail the completed form to:

    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.