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Credit Reports

It is recommended that you get a copy of your credit report from each of the three major credit-reporting agencies once a year to make sure the information is accurate. Generally, you will need the following to obtain a copy of your credit report.

 To obtain a copy of your credit report, you must provide the following in writing:
  1. Full name, including any previous names.
  2. Current address.
  3. Previous address. (if needed for five-year credit history)
  4. Social Security number.
  5. Date of birth.
  6. Signature
The three major credit-reporting agencies are:
  1. Experian (888) 397-3742

  2. Trans Union (800) 916-8800

  3. Equifax (800) 685-1111

Each agency charges a service fee that varies from company to company. You are entitled to one free credit report if:
  • You have been denied credit because of negative information in your credit report, you may ask which agency provided your credit history and then obtain a copy of your report from that agency within 60 days at no charge.
  • You are unemployed and plan to seek employment within 60 days
  • You are on welfare
  • Your report is inaccurate due to fraud
If you have negative information on your credit report that is true you cannot have it removed. You can however write a brief statement of explanation to be included in future reports. (i.e., unemployment, divorce).

If there is incorrect information in your credit report, you can request, in writing, an investigation that will be made within 30 days and or contact the creditor, in writing.

If you are not able to resolve the dispute, the creditor must report your dispute to the credit-reporting agency. If any deletion or notation is made regarding the information, you may request that new information be sent to any employer who has received a credit report during the past two years or anyone else who has requested credit information in the previous six months.


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