Your credit
report includes important information that most lenders use to determine
if you are credit worthy. The report contains information from lenders
that you have borrowed from in the past, including current balance,
payment amount and history of your payments. There are three credit
reporting agencies, and in some cases, they will not have the same
information. It is important that you check to make sure that the
information contained in your credit report is accurate.
The vast majority of discrepancies are corrected
quickly and easily. In almost every case, however, you must initiate
the correction. In many cases you can receive one free copy of your
credit report a year from each of the agencies. In the event that
you are denied a loan, you are entitled to receive a free copy of
your credit report and an explanation as to why your loan was denied.
Use the links provided below to visit the credit reporting bureaus
on the internet.
EQUIFAX
EXPERIAN
TRANSUNION
Annual Credit Report
The Federal Trade Commission (FTC) has published two consumer brochures
intended to help prevent consumers from being duped into paying
for their supposedly "free" reports. Want a Free Annual
Credit Report? The Only Official Website is annualcreditreport.com
which warns consumers about imposter sites, while the Your Access
to Free Credit Reports brochure educates consumers about their right
to a free copy of their credit reports, and discusses other consumer
rights under the Fair Credit Reporting Act and the FACT Act. Both
publications are available in English and Spanish at www.ftc.gov/freereports.
The consumer brochures are in response to complaints that the FTC
has received from consumers who thought they were ordering their
free annual credit report online, only to discover that their “free”
report came at a price.
Consumers may now request their free annual report through a centralized
source. Consumers can choose Internet, phone or mail to request
their reports.
| Internet:
www.annualcreditreport.com
|
Phone:
1-877-322-8228 |
By Mail:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
|
Credit Scoring
Questions about Credit Scoring?
Click
here
Credit Scoring Helpful Info
• Fair Isaac Company - www.fairisaac.com
• Fico Score - www.myfico.com
• CSC Credit Services - www.csccredit.com
• Trans Union - www.transunion.com
• Experian - www.experian.com
NOTE: Acrobat Reader is a FREE download and is required in order to view and print
some of the brochures, forms or applications in this page. If you do not already
have Acrobat Reader installed on your computer, use the Acrobat icon link provided
on the right navigaton menu to direct your browser to the location where you can
download your free copy.
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