Here’s How to Get Them

Let’s start with how to get your credit report in the first place.  There are three major credit reporting agencies that will offer you the one free credit report you get each year.  They are Experian, TransUnion, and Equifax.

You can contact each of them directly in the following ways:

Equifax

Online, you can find them at www.equifax.com.  You can also order your free credit report by mail.  However, they only offer this option for free to residents in the states of Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont.  All other states are required to pay a $10 fee.

If you do want to do this by mail, send your request to Equifax Information Services, LLC; Disclosure Department; P.O. Box 740241; Atlanta, GA 30374.  You can also call them at 1-800-685-1111.

TransUnion

Their web address is www.transunion.com.  As with Equifax, you can also make your request via mail by getting a copy of their mail request form online and sending it to the address provided.  You can also call them at 1-877-322-8228.

Experian

www.experian.com is where you can make a request for a credit report from this credit reporting agency.  As with TransUnion, you will need to download a form from their website if you wish to request your credit report by mail.  By phone you can call 888 397 3742.


There are also a myriad of websites who will also allow you to download your free credit report from their websites, but they ultimately will just be forwarding you to one of the above websites anyway.  However, they are worth checking out for the information that you can find on them.  Here are a few:

www.annualcreditreport.com
www.freecreditreport.com
www.creditreport.com
www.freecreditreportinstantly.com

The main thing is that you will want to get your free credit report in order to find out where you stand and how far you have to go to repair your credit.  Most of the time when you download your credit report, you will be able to view and save it instantly.  Save it to your computer’s “My Documents” file if you can.  That way you’ll be able to print it out and refer to it as much as you need.

Also, some of these sites offer low-cost memberships that will alert you if a new item comes onto your credit report.  Their services will offer many different things, but purchasing a membership is strictly voluntary and probably not necessary if you want the straight truth.

Filed under: How To Read Credit Reports