A: If you request your report online at annualcreditreport.com , you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm