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?
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
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.
How can I contact Experian
(formerly TRW) Consumer Page
Experian's telephone number is 800-682-7654
How can I contact Equifax
How can I contact Trans Union
Union Consumer Page
you report medical history?
Race, religion, medical history, political party, criminal record information not related to credit is not shown on a credit report.