|| Checking Your Credit Report || Understanding Your Credit Report ||
|| What If There's An Error || What About Fixing Bad Credit ||
||
Credit reports are kept by companies called credit bureaus.
If you've been denied credit and can't understand why, or if
you're just curious about what your credit history looks like,
you should obtain a copy of your credit report.
If you have been denied credit within the last 60 days based
on information on that report, you are entitled to a free copy
of your report. Otherwise, you may have to pay a nominal fee
to obtain your report ($3.00 to $8.00 depending on the State
you live in and what company you order your report from)... but
it's worth it. Often there are errors in the data.
You can write for your credit report at the following addresses,
but you should first call the numbers indicated for more information:
Equifax Information Service Center
1-800-997-2493
P.O. Box 740241, Atlanta, GA 30374-0241
Experian Information Solutions, Inc.
1-800-682-7654
PO Box 740241, Chatsworth, CA 91313
Trans Union Corp.
1-800-888-4213
Consumer Disclosure Center
Box 390, Springfield, PA 19064-0390