Credit Reports include personal information, employment information, payment history, a list of creditors, any bankruptcies or lawsuits, and any inquiries about your credit history. Periodically, you should get a copy of your credit report from each of the three major credit reporting agencies-- Equifax, Trans Union, and Experian. Ideally, you will request a copy annually to make sure your report is accurate. At a minimum, you should request a copy before you make any large purchase, apply for a loan, or change jobs. A reasonable fee may be charged by the credit reporting agency to provide you a copy of your credit report. However, if you are a resident of certain states- CO, GA, MD, MA, NJ, and VT you may be able to receive a copy once a year at no charge. Residents of ME may be charged a maximum of $3 for a copy of their credit report and residents of CT may be charged a maximum of $7 for a copy of their credit report. Also, if you were denied credit within the past 60 days by a business, bank, or other organization you are entitled to a free copy of a credit report from the credit reporting agency that organization used to evaluate your credit. The Credit Reporting Agencies may now let you order a copy of your credit report over the phone or the Internet. If a written letter is required, a form letter is available by clicking on ORDER FORM FOR CREDIT REPORT for you to use.
1. Credit Reporting Agency Addresses and phone numbers
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA. 30374
Call Equifax at 1-(800) 685-1111 to order a credit report by phone. To place a fraud alert on your credit report with Equifax, call 1(888) 766-0008.
Website address is www.Equifax.com.
b. Trans Union Corporation
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
Website address is www.Transunion.com
Call Transunion at 1 (800) 888-4213 to only order free credit reports.
National Consumer Assistance Center
P.O. Box 949
Allen, TX 75013
Call 1 (888) EXPERIAN to order credit reports or place a fraud alert on your credit report.
Website address is www.Experian.com
d. Credco. (Combines files from Equifax, Trans Union, and TRW) $ 24 fee (but errors in report must be corrected
through other bureaus)
FOR A CREDIT REPORT APPLICATION
click here ORDER FORM FOR CREDIT REPORT and print the form.
3. Removal of Name from Credit Bureau mailing lists - to remove your name from mailing lists that are prepared by the credit bureaus, call 1 (888) 567-8688 or 1 (888) 5 OPT OUT. You can remove your name from the mailing list for a period of 2 years over the phone. To remove your name permanently from the mailing lists, request a form over the phone to be mailed to you, fill out the form, and return the form. Calling this one phone number will remove your name from the mailing lists prepared by the 3 credit bureaus of Equifax, Transunion, and Experian.
Prepared by First CG District Legal Office, 408 Atlantic Avenue, Boston, MA 02110