The Fair Credit Reporting Act allows consumers to access their credit reports from the three nationwide reporting agencies for free once a year, according to the Federal Trade Commission. Beware of competing companies claiming to offer free credit reports -- they often force consumers into buying services or paying fees for the reports. Order your report from each of the three agencies or through the AnnualCreditReport.com website, which is endorsed by the FTC to give you the three free reports.
Experian
Experian is one of the three credit-reporting agencies authorized by the FTC to provide an annual free credit report to consumers. The company gives consumers online access to their credit reports for 30 days. Consumers can dispute incorrect credit information they find on their report online. Experian offers customer support over the phone seven days a week. Experian uses a 501 to 990 scale for its credit scores.
Experian
475 Anton Blvd.
Costa Mesa, CA 92626
714-830-7000
experian.com
TransUnion
TransUnion gives consumers a free credit report once a year. The company also offers "24/7 credit monitoring," meaning it will alert consumers if any suspicious activity takes place. If it does, consumers can submit a dispute online and monitor the dispute's status through TransUnion's website. The company also offers a personalized credit analysis of a credit report, allowing consumers to identify ways to improve their credit score. TransUnion credit scores run on a scoring model from 501 to 990.
TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
transunion.com
Equifax
Equifax gives consumers access to their credit report at no charge once a year. If consumers find an error on their credit report, they can dispute it using Equifax's online dispute website, which expedites the dispute process. Unlike Experian and TransUnion, Equifax uses a credit score range of 280 to 850.
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
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