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CreditReporting.com Order a 3-bureau credit report ONLY for $34.90. SEE what's in your report TODAY to insure 100% accuracy! *On a personal note, I brought my score up over 70 points in two months by disputing inaccurate information!*

You can also clean up your credit report yourself!  Over 70% of credit reports contain errors that may affect your rating!

     If you have been denied credit, employment, or insurance in the past sixty days based on the information in a credit report, you are automatically entitled to a copy of your report from the agency that issued it for free. It's the law in all states that when you are denied any opportunity based on your credit, you must be notified by the agency that turned you down and given the information you need to obtain your free report. In some situations, a free  report will be issued if you are a welfare recipient, unemployed but planning to seek employment in the next ninety days, or you believe you are a victim of fraud. It normally takes between five to ten days to receive your report by mail.  (Please visit the  "Choosing Credit Cards" page for several companies that will accept or deny you instantly credit based on your credit history. If they deny you, you may get a free report simply by calling a 1-800 number). 

    If you have not been denied credit the past 60 days, and you still wish to pay the credit bureau for a copy of your credit report, you can do so by contacting each credit bureau directly. The customary charge for one report is about $8 - $9 per bureau. 

Get the FAQs: 

Credit Reporting Questions and Answers  

 The Fair Credit Reporting Act   (Follow THIS alternative link if the first is down)

Fair Debt Collection Practices Act

 

To contact a credit bureau directly:

Experian National Consumer Assistance Center
P.O. Box 9595
Allen, TX 75013-0036     1-888-397-3742

Trans Union LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022     
1-800-888-4213

Equifax 

Equifax Credit Information Services, Inc.,   

PO Box 740241
Atlanta, GA 30374    1-800-685-1111

 

 

If you are a resident of Vermont, Maryland, Georgia, Massachusetts, Colorado, or New Jersey, you are entitled to a free credit report once a year (Georgia allows you a free report twice a year). If you live in one of these states, you can call  the credit bureau directly using the toll-free numbers provided to request your complimentary credit report.

    

 

 

 

 
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