How can I get a copy of my credit report?
You can get a free copy of your report once a year, from each of the three major credit bureaus. To order your free report, go to www.annualcreditreport.com or call 877-322-8228. You are entitled to an additional free copy of your credit report each year — even if you’ve already received your annual free report as described above — if: • you’ve been denied credit because of information in your credit report • you’re unemployed and looking for work • you receive public assistance • you believe your file contains errors due to fraud or identity theft, or • you’ve been denied employment (or another adverse employment decision has been made) based in whole or in part on information contained in the report. For more information, see How to Clean Up Your Credit Report.
You can get a copy of your credit report by calling or writing to the three major credit reporting agencies listed below: Experian: 1-888-experian (1-888-397-3742) Experian P.O. Box 9556 Allen, TX 75013-2104 www.experian.com Equifax: 1-800-685-1111 Equifax P.O. Box 105496 Atlanta, GA 30348-5496 www.equifax.com Trans Union Corporation: 1-800-888-4213 Trans Union LLC Consumer Disclosure Center P.O. Box 1000 |Chester, PA 19022 www.transunion.com Does it cost anything to get a copy of my credit report? It depends. If you have been denied credit in the past 60 days, you have the right to a free copy of your credit report. You are also entitled to one free copy every year if you are unemployed, if you are receiving Public Assistance, or if you think your credit file contains inaccurate information due to fraud. If you do not fall into one of these categories, the companies can usually charge up to $8.66 for a copy of your credit report. What should I say in my letter to request a copy of my
You can get a free credit report if you have been denied credit, are unemployed, are a victim of fraud. To get one free (if you qualify) or for a small fee (if you don’t) without going through a “middle man” just contact any of the 3 major reporting services below. They will typically charge $9 to $10. If you have recently been denied credit, you will be able to get a free copy of your credit report. This website has a link to obtaining you report from Experian (the one I recommend). You could also go directly to www.experian.com. 1. Experian (TRW) at 1 888 EXPERIAN (1 888 397 3742) allows you to charge your credit report to your Visa or MasterCard or debit card over the phone or on the internet. 2. Trans Union at 1-800-888-4213 or write to: Trans Union Corporation Consumer Disclosure Center, P.O. Box 390, Springfield, PA 19064-0390 3. Equifax at 1-800-685-1111 or write to: Equifax Information Service Center P.O. Box 740241 Atlanta, GA 30374-0241. For $9, you can get an immediate repor
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report: For more information, visit the FTC’s Your Access to Free Credit Reports.
