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Frequently asked questions about Credit Reports
Q. I would like to know how to get a copy of
my own personal creditreport. Could you please let me know how to go
about doing this?
A. By
clicking here.
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Can I get a free creditreport?
If you were recently declined due to information in your credit report, you may
be able to get a free report, but free reports are not available over the
Internet. You will need to contact Experian, Equifax, and/or Trans
Union to get the free copy. The company who denied the credit should be able to
provide the phone number. The details about
free reports are here.
If the above conditions don't apply, you can see your free credit report here.
How can I dispute an item?
See the contact information for Experian, Equifax, and Trans Union on this page.
After you get your credit report, you may use
this form to dispute inaccuracies on your credit report.
You
may need the free
Acrobat
Reader 5.0 to view or print the dispute form.
I'm a fraud victim. What do I do?
You can put a fraud alert on your credit reports. See the contact
information for Experian, Equifax, and Trans Union on this page.
I'd like to have my credit file closed.
We are not Experian, Equifax, or Trans Union, so we cannot do anything about
your request. In general, there is not a way to close a valid credit file.
If you want to prevent your credit information from being used for mailing
lists, etc., try the following phone number: 1 888 5 OPT OUT.
Also, you may contact the direct mail marketing association:
Mail Preference Service, P.O. Box 9008, Farmingdale, NY 11735-9008
Do you offer the once a year free credit
report?
You will need to go directly to the bureaus for that, and it may only be
available if you meet certain qualifications or live in certain states. Free
reports are not available over the Internet.
You can see your credit report right now for just $7.95 by clicking here.
Experian
(formerly TRW) Consumer Page
Experian's telephone number is 800-682-7654
Equifax
Consumer Page
Phone 800-685-1111
Trans
Union Consumer Page
Phone 800-888-4213
Do
you report medical history?
Race, religion, medical history, political party, criminal record
information not related to credit is not shown on a credit report.
More questions.