Topher's "Incredibly Useful Information"
Credit Reporting |
| We provide you a handy Credit Services Directory in an easy to read chart format so you can quickly find all the contact information and links you need for getting in touch with the four primary credit reporting agencies in the United States. One-click also gets you information on ordering your personal credit report. The "Big Three" dominate credit reporting agencies are Experian (formerly TRW), Equifax, and TransUnion. Each has its own proprietary data collection, reporting, and scoring systems. If you are checking your credit, it is a good idea to get a report from each company. All three offer consolidated reports which are often less expensive than ordering three individual reports. The pricing, layout, and features vary slightly from one consolidated credit report to another. |
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| Free Credit Reports |
| According to the Fair Credit Reporting Act (FCRA), you are entitled to one free credit report during any 12-month period no matter where you live, if you: are unemployed and intend to apply for employment in the next 60 days, are on public welfare assistance, believe your file contains inaccurate information due to fraud, or if you have been turned down for a loan, or denied credit, insurance, or employment in the past 60 days. Generally these reports are only available via the mail. Call each agency or click through their website to find details on how to get your free report. State legislation: in addition to the above, residents of the following six states are currently entitled to one free credit report per year: Colorado, Maine, Maryland, Massachusetts, New Jersey, Vermont. Georgia residents are entitled to two free credit reports per year. Once again, call each agency or click through their website for more details. More Federal Legislation: The Fair and Accurate Credit Transactions Act (FACT) that was signed into law in December 2003, also allows you to get one free copy of your credit report annually. Every resident, regardless of state, is now entiteld to a free credit report every 12 months from each of the big three credit bureaus. Secure yours at: AnnualCreditReport.com. |
| Free Credit Report Contact Numbers | |||
| Experian | Equifax | TransUnion | Innovis |
|---|---|---|---|
| 866 200 6020 | 800-685-1111 | 800-888-4213 | 800-540-2505 |
Information is from sources believed to be reliable but cannot be guaranteed. The information presented is intended to assist site visitors in quickly finding contact information and links to the major credit bureaus. |
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My Identity Has Been Stolen! Actions you should take immediately if your identity has been stolen. |
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Protecting Your Privacy Information to assist you in protecting your identity and personal data. |
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10 Important Things To Consider When Getting A Mortgage Or Home Equity Loan Detailed information to assist you in getting the best mortgage or home equity loan, and avoid being ripped off. |
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Opt Out! Contact information and tips for getting yourself removed from junk mailing lists and telemarketing lists. |
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Information was current as of August 30, 2005. Feel free to contact me to correct any information in this article or to alert me to additional information one should consider. © 2004-2005 Topher Thank you for visiting. Aloha!  (Make a donation). |
