How To Get a Copy of Your Credit Report

How To Get a Copy of Your Credit Report
You can get a copy of your credit
report from one of the major credit bureaus listed below.

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 pricing per copy is
variable, depending on the reporting agency.

If you’ve
1)  been denied credit because of information in your credit
     (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 five years
Current employment information
Telephone number (home)
Date of birth
Any fees

Credit Bureaus

Equifax Information Service Center
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-997-2493  or

Trans Union LLC
Consumer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
1-800-888-4213 or

P.O. Box 2104
Allen, TX 75013-2140
1-888 EXPERIAN (888 397 3742)

There are also a number of smaller bureaus or "local
affiliates" who can retrieve your credit report. They receive
information from one of the major bureaus listed above.

We recommend these online agencies: