Before you can go about repairing your credit, you first need to review your credit report. This is a very
important step and is not to be overlooked. As the previous section indicated, you have THREE credit reports
to review, not just one. Not only should you obtain a copy of your credit reports today, but also you need to
review them on a regular basis (every 6 months to every year) to make sure that the information contained on
your credit reports is accurate. You have the following two methods of obtaining your credit report:
The Easy Way
The best method of obtaining your credit reports is to get a Three-In-One report which combines Equifax,
Experian and Trans Union into one report. The advantages of obtaining this type of report are:
- One report to request, not three
- One fee to pay, not three
- Only one report to refer to, not three
- You can receive your report as early as the next business day
Use the link below to obtain your Three-In-One credit report:
The Hard Way
So you are not convinced that the previous method is the best way to obtain your credit reports. If you do not
like the convenient Three-in-one credit report, your only other choice is to contact the Credit Reporting Agencies
(CRA's) directly for your credit reports. You will need to do the following:
- Write three letters (one to each CRA) requesting your credit report
- Send three checks payable to three different CRA's ( $8.00 each )
- Wait for up to 2 weeks for your three credit reports to be received in the mail
- Review three different reports at the same time
If you insist upon using this method to obtaining your credit report, you can contact the CRA's using the
following information:
EXPERIAN
P.O. Box 2104
Allen, TX 75013-2104
Telephone: 1-800-682-7654
Monday to Friday, 7:30 a.m. to 7:00 p.m. CST
Cost of report: $8.00 plus tax (except as noted below)
Residents of Maine $2.00
Residents of Connecticut $5.30
Make check of money order payable to: Experian
In your request, include the following:
Your full name (example, John Q. Public Jr.)
If married, your spouse's first name.
Your home address, including previous addresses for the last 5 years.
Note: Be sure to include apartment number and zip code.
If you have recently moved, you must include 2 proofs of residency.
Acceptable proof includes a copy of utility bill, phone bill, credit card statement or driver's license.
Your social security number and date of birth.
Expect report in 8 to 10 business days
EQUIFAX
P.O. Box 105873
Atlanta, GA 30348
Telephone: 1-800-685-1111
24 hour automated service
Cost of report: $8.00 (except as noted below)
Residents of Maine $3.00
Residents of Connecticut $7.00
Make check of money order payable to: Equifax
In your request, include the following:
Your full name (example, John Q. Public Jr.)
Your current and former home addresses.
Note: Be sure to include apartment number and zip code.
You must include proofs of residency; a copy of your driver's license or utility bill.
Your social security number and date of birth.
TRANS UNION
P.O. Box 390
Springfield, PA 19064-0390
Telephone: 1-800-888-4213
24 hour automated service
Cost of report: $8.00 (except as noted below)
Residents of Maine $2.00
Residents of Connecticut $5.00
Residents of the Virgin Island $1.00
Make check of money order payable to: Trans Union
In your request, include the following:
Your full name (example, John Q. Public Jr.)
Your current address, any previous addresses for the last 2 years.
Note: Be sure to include apartment number and zip code.
You must include proofs of residency; a copy of your driver's license or utility bill.
Your social security number and date of birth.
Your current employer and your telephone number.
You must sign your request.
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