How do you get a copy of your credit report?
There are many credit reporting agencies, but the three major credit bureaus that are used most often are: Equifax, Experian and TransUnion. It is recommended that you check for inaccuracies at least once every twelve (12) months.
If you have been turned down for credit in the past sixty (60) days due to negative information being reported by the credit bureau, the report is free. Be sure to enclose a copy of your recent credit denial letter for proof.
If you have not been turned down for credit but want to get a copy of your credit report you will need to enclose a check or money order made payable to the
credit reporting agency in the amount the bureau’s charge in your state. See credit report agencies contact information below.
Due to the identity theft and credit fraud that is occurring these days, the credit bureaus are attempting to reduce consumer fraud risk by making sure you are who you say you are. It is necessary to include copies of your government identification card and a utility bill. Accepted identification includes one of the following:
• Drivers License
• State ID Card
• Military ID Card
Additionally, you will also usually be required to provide a copy of one of the following:
• Utility Bill
• Bank Statement
• Insurance Statement
To protect your personal identification information, the credit bureaus will not mail back correspondence that you send them, so don’t send originals; always send copies. Make sure the copies are clear and legible and enlarge the copies if necessary. Always be sure to include all identification information as follows: full name including middle initial (and generation such as Jr., Sr., II, III, etc.), your previous address for the past two years, social security number and date of birth.
It might be wise to call the credit bureau reporting agency, before you mail your request letter, to verify mailing addresses due to the fact they seem to change their post office box numbers quite frequently. The toll free telephone numbers and websites of the three major credit bureaus are:
Toll Free Lines Websites
• Experian 888-397-3742 www.experian.com
• Equifax 800-997-2493 www.equifax.com
• Transunion 877-322-8228 www.transunion.com