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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.

Other Questions

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.

More questions.

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.

Get Acrobat
You may need the free Acrobat Reader 5.0 to view or print the dispute form.

More questions.

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.

More questions.

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

More questions.

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.

More questions.

How can I contact Experian

Experian (formerly TRW) Consumer Page
Experian's telephone number is 800-682-7654

More questions.

How can I contact Equifax

Equifax Consumer Page
Phone 800-685-1111

More questions.

How can I contact Trans Union

Trans Union Consumer Page
Phone 800-888-4213

More questions.

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.

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