Know Your Rights

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Credit Reporting Basics

Each year you can pull your credit report for free.  Your credit report is the gateway to many aspects of your life.  If your credit report has errors or it is merged with another person, that doorway becomes harder to open.  Opening up a bank account, getting a car loan, obtaining a mortgage, rent an apartment or write a check at your local grocery store.  Employers and potential employers can check your background by pulling your reports.  You need to know your credit history.  Pull your report today!

There are three main credit reporting agencies - Equifax, Experian and Trans Union.  You can order your report from each agency directly or pull all three by using annualcreditreport.com website.   If you want a score, that will cost you extra. 

Trans Union
PO Box 2000                   
Chester, PA 19022-2000        
www.transunion.com
1-800-888-4213
         
Experian
701 Experian Pkwy
Allen, TX 75013
www.experian.com
1-888-397-3742

Equifax
PO Box 740256
Atlanta, GA 30374
www.equifax.com
1-800-685-1111

You don't want to make all those calls? 
You are entitled to ONE FREE COPY of each of your three credit reports each year by accessing this website: annualcreditreport.com or by calling: 1-877-322-8228.

What if I have trouble ordering my report on-line? 
Call the agency directly or mail a written request.  Remember if you send anything to the bureaus, save a copy and spend a little extra to mail it certified mail.  You always want to keep a paper trail. 

If you are having problems with your credit report or need assistance in understanding the information reporting about you contact SmithMarco P.C. for a free case review.

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