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How To Obtain Your Free
Credit Report
Gather
Your Information: You can check your credit
report from each of the three credit reporting companies (Equifax,
Experian and TransUnion) in several ways, but each of them will require
your basic information. Make sure, if you haven't already committed them
to memory, you have your Social Security number (for the application)
and any financial account information (to cross check with the reports).
If you have moved in the last two years, have your previous address.
Decide Application Method: Credit
reports are available online through
AnnualCreditReport.com. Any information you
enter is completely secure. You receive your report immediately when
applying online.
You may also order your report by calling (877) 322-8228 or by mailing a
request to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281
These requests typically take 2-3 weeks.
Review Your Report Thoroughly: Even minor mistakes can
prove costly. Check to make sure old accounts are no longer active,
current accounts are correct and all of your information has been
correctly reported.
Address Any Mistakes: Problems must be
handled with the reporting agency. Here is the contact information for
each:
Equifax
PO Box 740256
Atlanta, GA 30374
(800) 797-7033
Experian
NCAC
PO Box 9595
Allen, TX 75013
(800) 583-4080
TransUnion
PO Box 200
Chester, PA 19022-2000
(800) 916-8800
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