Thursday, September 25, 2008

So you want to look at your Credit Report?


First of all - don't go to any heavily advertised credit report checker. The only free source is the FTC run Annual Credit Report.

"This central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion."

To Request your Credit Report by Phone:

  1. Call 1-877-322-8228
  2. You will go through a simple verification process over the phone.
  3. Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

To Request your Credit Report by Mail:

  1. Download the request form
  2. Print and complete the form
  3. Mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

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