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You can get a copy of your credit report(s) in a number of different
ways. There actually isn't just one - several companies gather information about you to put into their own reports,
which they sell for credit checks. You can get a free copy of your credit report from the major reporting agencies (see
below) once a year using www.annualcreditreport.com (this is not the site they sing about on TV, saying it is free ....but you pay for something else, like monthly
monitoring, etc.).
You can also buy copies from the agencies themselves, or buy a merged copy that may contain
information from more than one of the companies.
CREDIT
REPORTS: You can order your
free credit report from a central website: www.annualcreditreport.com Call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request
Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the FTC website: www.ftc.gov/credit. Do not contact the three nationwide consumer reporting companies individually. They are only providing
free annual credit reports through www.annualcreditreport.com
The FCRA
allows you to order one free copy from each of the nationwide consumer reporting companies every 12 months.
CREDIT
BUREAU INFORMATION (BELOW)
Links to the credit bureaus are below. Please note that the addresses below
are addresses which may, or may not, be correct for all purposes. For some reason, these companies do not want to make it
easy for people to locate a mailing address for people to write if they have a question, nor do they make it easy for you
to call them and reach a real human being. You may access information and reports online, but you may be waiving
important rights when you agree to the online terms.
Credit Bureau: Equifax correspondence
to:
Equifax Credit Information
Services, Inc.
P.O. Box 740241
Atlanta, GA 30374 Credit Bureau: Experian Experian
PO Box 2002
Allen TX 75013-0000
Experian
PO Box 9532
Allen TX 75013-000
Credit Bureau: TransUnion TransUnion
Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
Link to TransUnion U.S. Investigation Report Form
Link to Article: Credit Reports After Bankruptcy Discharge: What Should Be Reported?
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