| Checking your Credit Report
It is important to check your credit report to ensure that your
credit report is correct. Your credit score is usually based primarily
on the information on your credit report and lenders also review
this information in making credit decisions. It is often recommended
that you review your credit report from each credit reporting agency
(Experian, Equifax, TransUnion) at least once a year and especially
prior to making a large purchase, like a house or car.
To request a copy of your credit report, contact the credit reporting
agencies directly:
Equifax Contact Information
Equifax Phone Number: (800) 685-1111
Mailing Address: P.O. Box 740256, Atlanta GA 30374
Website Address: www.equifax.com
Reporting Fraud to Equifax: (800) 525-6285
Experian Contact Information
Experian Phone Number: (888) 397-3742, (800) 680-7289
Mailing Address: P.O. Box 9595, Allen TX 75013
Website Address: www.experian.com
Reporting Fraud to Experian: (888) EXPERIAN
(TRW sold off their credit reporting services, which is now referred
to as Experian)
TransUnion Contact Information
TransUnion Phone Number: (800) 888-4213
Mailing Address: P.O. Box 2000, Chester PA 19022
Website Address: www.transunion.com
Reporting Fraud to Trans Union: (800) 680-7289
To request a copy of your FICO credit score, contact Fair Isaac
directly:
Fair Isaac Contact Information
Website Address: www.myfico.com
Errors on your Credit Report
If you find an error on your credit report, the credit reporting
agency must investigate and respond to you within 30 days. If you
are in the process of applying for a loan, you should immediately
notify your lender of any incorrect information in your report.
Your lender will reorder your credit report and score once any changes
have been made to your information at the credit reporting agency.
Small errors may have little or no effect on your score. If there
are significant errors, however, the lender may disregard the credit
score.
Note: Only the credit reporting agencies have the data from which
FICO scores are calculated. Fair Isaac can not correct data at the
credit reporting agencies.
Order a FICO Credit Score
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