There are 3 ways you can request your reports: online, by phone, or by mail. You can request and access your reports online at www.annualcreditreport.com. You can get your reports mailed to you by either calling 1-877-322-8228 or by mailing a completed request form which you can download from here www.annualcreditreport.com/manualRequestForm.action
For security purposes you will have to go through a verification process if you make your request online or by telephone. You'll be asked a few questions about some specific credit accounts in your report and you'll get multiple choice answers to choose from. For example, they may ask you which finance company your car payment is through, or how much is your monthly mortgage payment.
Reviewing your credit reports is a good way to catch identity theft and fraud. The same old fraudsters are pulling new tricks related to the pandemic, so it's as important as ever to keep vigilant about your credit and financial accounts.
If you see suspicious or confusing information on your credit reports you can get help figuring out what to do next. If you are at least 60 yrs old and a West Virginia resident you can all WV Senior Legal Aid at 1.800.228.5068 for help in any part of this process.