About FreeCreditReport |
| Get an absolutely free credit report, by mail, if
you've been denied credit in the last 60 days. |
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| Get a freecreditcheck, by mail, if you
are unemployed and plan to apply for a job or are on public assistance. |
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| Get a free credit report, by mail, if you
live in certain states. |
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| Get a report, by mail, if you
suspect fraud. |
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Learn About Credit at GetMyFreeCreditReport |
| There are three credit bureaus, each
collecting credit information on you. Each has slightly different information. |
| From the information in your credit report
a credit score is calculated. Credit Scores range from
400-850. A credit score of 700 and above is very good.
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| Credit Professionals recommend checking your credit at
1-2x per year. |
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Get My Free Credit Report |
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Get a report absolutely free by
mail once a year if you live in certain states
Certain states have mandated that their residents can get a free report
once a year, by mail. If you live in any one of the following states, call or
write to the credit bureaus and ask for your free report; Colorado,
Georgia, Maryland, Massachusetts, New Jersey, Vermont.
You will need to include your name, address, social security, birth date and if
you have not been at the current address more than two years, include your
previous address.
Bureau Information Equifax
- PO Box 740241, Atlanta, GA 30374
Experian - P.O. Box 9530 , Allen, TX 75013
TransUnion - 800-888-4213 (Should call first as they have different procedures
for each situation)
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Why
wait get a instant online credit report now ! |
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Denied Credit
Get an absolutely free credit report by mail
if you were denied credit in
the last 60 days. The credit bureau(s) must receive your request before the end of the 60 days.
Find out from the creditor that denied credit which bureau(s) were used in
making the determination. Write/call the bureaus and explain you were denied
credit by "creditor name" and you would like to receive your free copy of your
report. You will need to include your name, address, social security #,
previous address, birthdate. Bureau
Address/Phone Info
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Why
wait. Gat an online instant report and see your credit rating! |
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Unemployed
Get your report if you are unemployed and will
be applying for a job in the next 60 days or are on public assistance. Write/call to the bureaus and explain your situation and that you would like to
receive your free credit report. You will need to include your name, address,
social security #, previous address, birthdate.
Bureau Address/Phone Info
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Check NOW Online ! |
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Write/call to the bureaus and explain your situation and that you would like to
receive your free credit report. You will need to include your name, address,
social security #, previous address, birthdate.
Bureau Address/Phone Info
If it is only suspected, they will put a fraud alert on your account, so that
creditors are warned to verify your identity before opening credit accounts.
If it verified that there are fraudulent accounts open, which you in fact did
not open, they will put a credit alert on your account, so that noone can pull
your credit without your written permission. Also, once you get your creditcheck report, you will need to write to the companies and alert them to the
fraudulent accounts. It will take time and patience to clear this up.
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Tips to Improve Your Credit Score
Your credit score is what lenders look at when
they extend credit. All bureaus have slightly different information
on you therefore, they will all have different credit scores. Each
bureau calls their credit score something different; FICO, Beacon,
Experian Score, but they are all based on a model that was developed
by Fair Isaac. To raise your credit score, pay bills on time, do
not apply for credit too often, keep credit card balances low and
do not let bills go to collection.
Get your credit score online today instantly!
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