Annual Credit Report

You are entitled, to a free annual credit report once a year; if it's not free, the charge is minimal and well worth the expense. You are also entitled to a free annual credit 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 annual credit 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 annual 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.

The free report will NOT provide you with your FICO Scores just the information contained with in the report, in order to obtain that you will need to purchase it from one of the many credit report companies.

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 link below.

 Get All 3 FICO Scores and Credit Reports!

   

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