Credit Reports and Credit Ratings

CREDIT REPORTS AND CREDIT RATINGS
Cleaing Up Credit
Credit and Bankruptcy: Rebuilding Credit
How to get them
How to read them
How to dispute them
Why are they important?

NC Bankruptcy Lawyer in Charlotte North Carolina for Chapter 7 / Chapter 13

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?

The Law Office of Susanne M. Robicsek
1701 Scott Avenue Charlotte North Carolina 28203
phone:704 / 377-0776
fax: 704 / 377-0775


DISCLAIMER: This message is intended as a general discussion of legal issues and not as a statement of fact, legal advice or a legal opinion; Personal opinions may also be expressed. No attorney-client relationship is created by this message; Do not act or rely upon law-related information in this communication without seeking the advice of an attorney licensed to practice in the relevant area.
The Law Office of Susanne M. Robicsek is
a Federally Designated Debt Relief Agency
under the Bankruptcy Code.
I file bankruptcy cases for people in financial need,
and have been doing so since 1989.

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Charlotte NC Bankruptcy Lawyer Concentrating In Consumer Bankruptcy Since 1988
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