Get Free Credit Reports
In order to get a clear picture of your credit profile, you must order
credit reports from the three major credit bureaus, Equifax, Trans Union, and
Experian. Credit bureaus require that you use a report that is less than 90
days old. Once you've disputed a report and they make the change, they must
send you a new report free. Each agency may list different information in
your file, so it's important to review all three (below).
Its Free!! - Consumers are now able to request free annual credit reports
from each of the three major agencies, every 12 months, thanks to revisions in
federal law which took effect December 1, 2004.
You can Get Free Credit Reports Online or by Phone at:
(get your report immediately) or call 877-322-8228 (mailed to you in 15 days)
Get Free Credit Reports directly from the Credit Bureaus:
Alternatively you can call the three major credit bureaus directly and buy a
report for $9.50, or get one free if you have been turned down by a creditor
within the last 60 days.
P.O. Box 740241
ExperianP.O. Box 2002
Allen, TX 75013
Trans UnionP.O. Box 1000
Chester, PA 19022
Or Get Free Credit Reports by mail:
By completing the Annual Credit Report Request Form and mailing it to:
Annual Credit Report Request Service, P.O.
Box 105281, Atlanta, GA 30348-5281.
(in 15 days)
See the Federal
Trade Commission (FTC) website for more info on getting a free credit
report by mail and to read more about what the United States FTC says about
getting free credit reports. There are many scammers out there claiming free
credit reports, but in actuality there are strings attached or they may just be
fishing for you social security number.