How to Get a Credit Report
You have the right to obtain a copy of your credit report at any
time. It is suggested that you review your report at least once a
year to ensure completeness and accuracy.
Be prepared to provide the following information when obtaining
a credit report:
- Full name (including Jr., Sr., and III)
- Date of birth
- Social Security Number
- Current and previous address(s) for the last 5 years
- Daytime phone number
- Photocopy of letter from the creditor denying you credit (if
applicable)
- Signature (if applying via mail)
- Photocopy of your driver's license or other picture ID (if you
apply via mail)
The three major credit bureaus
Here is the contact information for the three major credit
bureaus:
Experian
P.O. Box 2002 Allen, TX 75013
(888) 397-3742
www.experian.com
Equifax
P.O. Box 740241 Atlanta, GA 30374
(800) 685-1111
www.equifax.com
TransUnion
P.O. Box 1000 Chester, PA 19022
(800) 888-4213
www.transunion.com
Free Credit Reports
You may obtain a free credit report if you have been denied
credit within the last 60 days.
The Fair and Accurate Credit Transactions (FACT) Act entitles
all consumers to a free credit report once a year from all three
major credit reporting agencies which have established a
centralized source for accepting the requests. You can order a free
copy of your credit report by calling 877-322-8228, visiting www.annualcreditreport.com or mailing a
standardized form to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281