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TODAY'S CREDIT TIP  Consumer reporting agencies (also called credit bureaus), the institutions that compile and issue credit reports, are required to assist you in interpreting your report. Reports can be issued only to those with a legitimate business reason, such as ... Read more
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HOW LONG DOES INFORMATION STAY ON YOUR CREDIT REPORT?

Generally, all your credit history information, good or bad, remains on your report for seven years. If you file for personal bankruptcy, that fact remains on your credit report for 10 years.

HOW YOUR CREDIT REPORT IS USED?

Credit reports contain very personal information. For this reason, access to them is limited. Your report may be released for a legitimate business need, such as an application for credit, employment, a government license, or life insurance; in response to a court order; or to a third party you designate in writing, such as a potential landlord. When you apply for a car loan, mortgage, or credit card, your report is reviewed by the lender to evaluate your creditworthiness. They are also used by potential employers and life insurance companies to round out their impression with details of how you incur and manage financial responsibilities. Since your credit report influences whether you are able to buy a home and get a job, it is extremely important to protect your credit rating by making loan and bill payments on time and by not taking on more debt than you can handle. After paying your basic expenses (rent, food, utilities, tuition, medical), you should have enough left to make your monthly credit payment. Ideally, even after paying all of your bills, you should have funds left for saving and investment. It is also worthwhile to review your report periodically by ordering a copy from one (or more) of the major credit bureaus that compile credit reports; a listing appears at the end of this brochure. By doing so, you can be certain that the information on the report is current and correct. (There is no charge for obtaining your report if you have been denied credit. ... Read more

HOW DO I GET A COPY OF MY CREDIT REPORT?

Write or call one or all of the major consumer reporting agencies, listed below: Include your name, address, telephone number, previous addresses ( for the last five years), your Social Security number, and your date of birth. If you are married, be sure to include the same information for you spouse. There is no charge for the report if you have been denied credit as long as you request the report within 60 days of receiving the denial notice. Otherwise, there may or may not be a charge, depending upon the state in which you live. Equifax P.O. Box 740241 Atlanta, GA 30374 (800) 685-1111 www.equifax.com Experian National Consumer Assistance Center P.O. Box 2002 Allen, TX 75013 (888) 397-3742 www.experian.com TransUnion Consumer Disclosure Center P.O. Box 1000 Chester, PA 19022 (800) 888-4213 www.tuc.com Keep in mind that three large bureaus do not necessarily share information with each other. The content of your credit report can vary across bureaus, so it's a good idea to request copies from each one.
Find Credit Facts

What's a credit report? A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness. Credit reports are usually based on the individuals: credit history; who reviewed the credit history; information that has been given to the credit information company; specific identification information; and any explanatory notes and comments.
What is a credit score? A credit score is a number that lenders use to estimate risk. Experience has shown them that borrowers with higher scores are less likely to default on a loan. Scores are generated by plugging the data from your credit report into software that analyzes it and cranks out a number. The three major credit reporting agencies don't necessarily use the same scoring software, so don't be surprised when you discover that the scores they generate for you are different. Because the software used to calculate a vast number of reports was created by Fair Isaac Corporation (FICO), credit score reports are sometimes called FICO scores.
Equifax
P.O. Box 740241
Atlanta, GA 30374
www.equifax.com

Experian
PO Box 2002
Allen, TX 75013
www.experian.com

TransUnion LLC
P.O. Box 1000
Chester, PA 19022
www.transunion.com
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