Annual Credit Report
You are entitled, in most states, to a free copy once a year; if it's
not free, the charge is around $8 and well worth the expense. You are
also entitled to a free report if you have been denied credit because
of negative information in your credit report. However, you must apply
within 60 days of the denial. In addition, you are entitled to one free
report if (1) you are unemployed and plan to seek employment within
60 days; (2) you are on welfare; or (3) your report is inaccurate due
to fraud.
Your credit report usually includes personal information, employment
information, a list of creditors, payment history, any bankruptcies
or lawsuits and any inquiries made about your credit history.
To order copies of your credit reports, you need the following information:
Full name, including any maiden names
Daytime and evening phone numbers
Current address
Previous address (if needed for five-year credit history)
Date of birth
Marital status
Birth name
Social Security Number
To order a copy of your report by mail you need to send a letter with
the above information. Sign the bottom of your request and enclose a
copy of your driver's license, utility bill or government identification,
showing your current address. Send a copy of this to each of the following
national credit bureaus:
Equifax Credit Information Services
PO Box 740241
Atlanta, GA 30374-0241
800-997-2493
Order your credit report online directly from Equifax.
www.equifax.com
Trans Union Corporation
Consumer Relations Division
PO Box 390
Springfield, PA 19064-0390
800-916-8800
www.tuc.com
Experian (Formerly TRW)
PO Box 949
Allen, TX 75013
888-397-3742
www.experian.com
For a much faster service you can order your reports on-line by clicking
on the link. You can also get a combined report by clicking on the 123creditreports.com
link below.
www.123creditreports.com
4470 W. Sunset Blvd., Suite 216, Los Angeles, CA 90027
