How Do You Get A Copy Of Your Credit Report? - CREDIT REPORT

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TODAY'S SAVING TIP  The lender who denied you credit must give you the name and address of the credit bureau that produced the credit report. Then, you have up to 30 days to request a free copy of your report. The credit bureau must tell you the nature and substance ... Read more
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CREDIT REPORT: How do you get a copy of your credit report?


You may write, call, or request a copy of your credit report via the Internet from the three major credit bureaus listed on this brochure.

To process your request, you will need to provide specific information, such as your name, current and previous addresses, telephone number, social security number, and date of birth. Also, to verify your identity, other information such as a copy of your driver's license, utility bill(s), or bank statement may be required. If you are married, be sure to include the same information for your spouse. Keep in mind that the three large bureaus do not necessarily share information with each other. The content of your credit report can be different at each bureau, so it's a good idea to request copies from each one.

There is usually a charge for reports, unless your request comes within 60 days of having been denied credit, employment, or insurance as a result of a credit report.

Credit bureaus also provide free copies of your credit report under other circumstances. You are entitled to one report free of charge per year if you certify in writing that: (1) you are unemployed and plan to look for a job within 60 days, (2) you are on welfare, or (3) your report is inaccurate because of fraud.

To contact the three major credit bureaus:

Equifax
P.O. Box 105873
Atlanta, GA 30348
http://www.equifax.com
(800) 685-1111


Trans Union
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
http://www.transunion.com
(800) 916-8800 or (800) 888-4213

Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
http://www.experian.com
(888) 397-3742

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