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Procedures for obtaining a free credit report While some states entitle residents to a free credit report once a year from each of the major credit reporting agencies, most people are required to pay $9 or so to obtain a copy of their credit report. There are exceptions to this, however. For example, if a company denies you credit, insurance, or a job because of something in your credit report, you are entitled to a free credit report from the reporting credit bureau if you act within 60 days of being turned down. Requesting your free credit report is easy and can be done by phone or email. Simply mention that you were denied credit and they will look to make sure that they were responsible for the credit report. If so, then they will issue you a free credit report. You can also request a free credit report if you are on welfare, unemployed and plan to look for a job, or your credit report was inaccurate due to fraud or identity theft. Free credit report providers To obtain a copy of your free credit report, you can either use one of our prescreened free credit report providers or write individually to the credit bureaus using the information listed below: Equifax PO Box 105873, Atlanta, GA 30348 (800) 685-1111, (770) 612-3200 (800) 548-4548 (residents of Georgia, Vermont and Massachusetts) (800) 233-7654 (residents of Maryland) Trans-Union Corporation Consumer Disclosure Center, PO Box 390, Springfield, PA 19064-0390 (800) 916-8800, (800) 682-7654, (714) 680-7292,(800) 888-4213 (if you have been declined credit and want a free credit report) Experian PO Box 949, Allen, TX 75013-0949 1-888-397-3742 Some companies will also offer to provide you with a copy of your free credit report if you sign up for one of their services, such as credit monitoring, credit building, consolidation and more. By reviewing your credit report you will be able to see who's been looking at your credit report, check for any new information, verify your information, watch for inaccuracies, and catch possible instances of credit fraud. Mistakes do happen and there may very well be errors on your credit report that prevent you from getting the credit and loans you need. Our free credit report partners are committed to helping you learn everything you need to know about your credit report, how to stay informed and how to protect your valuable credit standing. Seeing and understanding your credit report is often the first step to credit repair and financial stability so take some time to obtain your free credit report online. |
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