Getting your credit report from the major three credit reporting agencies, TransUnion, Equifax and Experian is easy to do and something you should put on your to do list if you haven’t done so already.
Tracking your credit is always a good idea. You never know when there have been errors made that will negatively affect you or if there has been activity on your credit cards that shouldn’t be there. Ordering credit reports can help you be aware of your credit power or in some cases your lack of power.
TransUnion Credit Bureau
TransUnion will send your credit report to you for free:
Phone number: (800) 888-4213.
You can actually get a credit score mailed to you by calling 1-866-726-7388.
You can file a credit dispute online if you see any errors.
Equifax Credit Bureau
The easiest way to get your credit report from Equifax is to call them at: 1-877-SCORE-11.
Their address is:
Equifax Information Services LLC
P.O. Box 105314
Atlanta, GA 30348
(866) 224-9235
Experian Credit Bureau
You can order a credit score for $6 by calling 1-888-322-5583.
You can get unlimited access to your credit report at CreditExpert.com
Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Experian has corporate headquarters in Dublin, Ireland, and has operational headquarters in Costa Mesa, Calif., and Nottingham, UK. The Group employs approximately 15,500 people in 38 countries worldwide, supporting clients in more than 65 countries around the world. Revenue for the year ended March 31, 2008, was $4 billion.
I thought that was interesting. The other interesting thing about Experian is that it owns hitwise.com. Hitwise “provides insights on how 10 million US Internet users interact with more than 1 million websites, across 165+ industries.”
Free Credit Report From All Three Credit Bureaus
Getting a free credit report from all three credit bureaus can be done at AnnualCreditReport.com.
This is recommended by all three credit bureaus and is a free service if it is your one annual credit report.
Your Rights Under the Fair Credit Reporting Act
Here are some of your rights:
- You must be told if information in your file has been used against you
- You have a right to know what is in your file
- You have the right to ask for a credit score
- You have the right to dispute incomplete or inaccurate information
- Consmer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information
- Consumer reporting agencies may not report outdated negative information
- Access to your file is limited
- You must give your consent for reports to be provided to employers
- You may limit “prescreened” offers of credit and insurance you get based on the information in your credit report by calling 1-888-567-8688
- You may seek damages from violators
- Identify theft victims and active duty military personnel have additional rights
If you have found some good places to get free credit reports, please let us know in the comment sections.
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