In order to know whether your credit report is accurate you have to know what is being reported on it. Many people are unaware something inaccurate is reporting until after they have been denied credit, employment or housing based on a false collection account or crime they never committed. Therefore, it is important that you are proactive about knowing what is being reported on your credit reports.
You are entitled to one free credit report during any 12 month period from the nationwide CRAs, Equifax, Experian and Trans Union (known as “the Big Three”). We recommend mailing in your request (instead of requesting online). Use this form to request your free report from the Big Three. To find the contact information for other CRAs, including those that prepare employment, tenant, and bank screening reports click here. If you cannot find the CRA you are looking for, an internet search may provide you with the information you need to request your report from that specific CRA.
You are entitled to one free credit report during any 12 month period if you certify to the CRA in writing that:
If you are not entitled to a free report, you can also pay for your report. The FCRA requires that CRAs provide you with your credit report (free or paid) when you request it.
We recommended mailing all requests for your credit reports, and sending them certified. You should keep copies of all your correspondence to and from the CRAs.
If you have experienced problems obtaining your credit reports, please contact us for a free consultation.