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Ask WomensFinance? : Answer |
Q: Where can I get a copy of my credit report?
A: You can get a copy of your credit report
from one of the three major credit bureaus listed below. It's recommended that you get a
copy of your report at least once a year to make sure your credit information is correct.
Your report will usually include the following: credit inquiries, bankruptcies, payment
history, previous creditors, credit account information, personal identifying information,
and any other information related to your credit history. The price per copy is usually
$8.00 for most states but may be less -- always check with your credit bureau.
If you've (1) been denied credit because of information in your credit report (request
within 60 days of denial), (2) you receive public assistance, (3) you're unemployed and
intend to apply for a job, (4) your report is inaccurate due to fraud, (5) you're a
resident of a qualified state, or (6) you haven't requested a copy in the previous 12
months, you may be entitled to a free copy of your credit profile.
Include the following with your request:
Full name (including Jr., Sr., II)
Spouse's first name (if married)
Social security number
Current and previous addresses within the last 5 years
Current employment information
Telephone number (home)
Date of birth
Signature
Any fees
Credit
Bureaus
Equifax Information Service Center
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493
Web: http://www.equifax.com
Experian National Consumer Assistance Center
P.O. Box 2104
Allen, TX 75013-0949
1-888-397-3742
Web: http://www.experian.com
Trans Union LLC
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213
Web: http://www.transunion.com
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