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.