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Credit Reporting Agencies
Free Credit Reports
The amended Fair Credit Reporting Act permits consumers to request a free copy of their credit report once every 12 months from each of the three major credit reporting agencies (i.e., Equifax, Experian, Trans Union).
You can order a free credit report:
and mail to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Do not contact the three nationwide consumer reporting companies individually.
For more information visit:
Credit Reporting Agencies
If you do need information about the specific national agencies it is provided below.
Equifax (www.equifax.com)
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
Experian (www.experian.com)
P.O. Box 2104
Allen, TX 75013-0949
1-888-EXPERIAN (397-3742)
Trans Union (www.transunion.com)
P.O. Box 1000
Chester, PA 19022
1-800-916-8800
There are a variety of local credit reporting agencies as well. Check your local telephone directory under headings such as "Credit Reporting Agencies" for names of similar companies in your area.
Credit Scores
To find out about your credit score – what it is and how it affects you, visit:
Fixing Credit Reports
If your credit report contains inaccurate information, or the report shows accounts that you never applied for, how do I have this information removed? For information, see:
Bankruptcy and Negative Information
A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for ten years. For more information see:
Credit Reports and Divorce
If you had a joint account with your spouse, you are both responsible for the debt even if you are divorced. For more detailed information see:
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