Request for Credit Report/More Info


Request for Credit Report 
Additional Information 
 
Express Firm.com © recommends that you obtain a copy of your credit report from any bureau maintaining a file on you at least once a year.  There are three big firms that operate nationally (information on these three firms follows), as well as a number of firms that operate only in one city or a select number of cities.  Check your local yellow pages under "Credit Reporting Agencies" or "Credit Bureaus" to identify the agencies in your area.  With local agencies, call and inquire whether each maintains a file on you.  If a local agency maintains a file on you, use this letter to request a copy of your credit report.  The local credit agency may impose a fee for this service. 

If would like to have a copy of your credit report or if you have been denied credit or employment, you should contact each of the "Big 3" credit bureau agencies.  Each will provide a free copy of your credit report if you have been declined credit or other benefits (e.g., insurance, utilities, or a job) and you make your request within 60 days of that denial.  In addition, changes to the federal Fair Credit Reporting Act that took effect in 1997 require these companies to provide free copies for anyone who is out of work and looking for a job, receives welfare or believes that their file is wrong because of some fraud.   

Each of the "Big 3" has a toll free information line, but handles requests differently.  Below is information about each of the "Big 3", and how to request a copy of a credit report, both for periodic "check-ups" and if you have been declined credit or benefits.  Home and Business Attorney recommends that you call the toll-free number before proceeding. 

Experian (formerly TRW) 
    Telephone: (800) 682-7654   - Automated information line, or (800) 422-4879   - To speak to an Experian representative 

For requests to Experian, including requests following a denial of credit, insurance or utility services in the 60 days before your request, write to: 

Experian 
P.O. Box 2106 
Allen, TX 75013 

If you have been denied credit or benefits, you may also order a copy of your credit report over the toll-free number.  Just follow the instructions provided by the Experian voice mail system. 

While it previously provided one free report each year, Experian now charges for other requests.  The charge is $8.00 for residents of most states, but the fee is $2.00 for residents of Maine, $7.50 for residents of Vermont and $5.00 for residents of Maryland.  To request a report for a fee, send your letter to the address above. 

Equifax   (sometimes referred to as CBI or CSC)
    Telephone: (800) 685-1111 (800) 548-4548 - Georgia (770) 612-3200 

The fee for a "check-up" report is eight dollars ($8.00), except that residents of Colorado, Georgia, Maryland, New Jersey, Vermont and Massachusetts may receive one free copy each year. Residents of Maine need pay only three dollars ($3.00) and residents of Connecticut pay only five dollars ($5.00).  When requesting a copy of your report, you may order by telephone through the toll-free number and pay the fee by credit card. Written requests, along with a check for the amount due, should be sent to the following address: 

Equifax 
P.O. Box 105873 
Atlanta, GA  30348 

TransUnion Corporation
     Telephone: (800) 916-8800 - Consumer Relations 

TransUnion will provide you a copy of your credit report for eight dollars ($8.00), except that residents of Colorado, Georgia, Maryland, New Jersey, Vermont and Massachusetts may receive one free copy each year..  With written requests, include a copy of the letter denying you credit or other benefits, or a check for $8.00.  Send written requests to: 

Trans Union Corporation 
P.O. Box 390 
Springfield, PA  19064-0390 

You may also request a copy of a free credit report, if you are entitled, by calling the Trans Union automated request line.  The telephone number to use for this purpose is (316) 636-8100.