The three major credit bureaus maintain credit files on nearly 90 percent of adults in the United States. An alarming number of these credit reports (79%) contain errors and could cause the denial of credit, insurance, or even employment.
To maintain your financial well-being, and avoid getting bad credit score it is vital to monitor the status of your credit report and remove any inaccuracies. Check your credit status by requesting a copy of your credit report every 4-12 months.
However, instead of ordering a report from each bureau at one time, save money by requesting your report from one of the three major credit bureaus every 3-4 months. Though your credit information will vary slightly from one bureau to the other, this should still provide you with a general assessment of your credit status.
Information on the Three Major Credit Bureaus:
Depending on which credit bureau your lenders use, you may file you complain their respective address:
Equifax – www.equifax.com
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241
To report fraud, call: 800-525-6285
And write: P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.
Main Number: 404-885-8000
Experian (Formerly TRW) – www.experian.com
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013
To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
Trans Union – www.transunion.com
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022
To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
Social Security Administration (Fraud line): 1-800-269-0271
Rights under the Telemarketing Sales Rule
To learn about your rights under the Telemarketing Sales Rule and how to protect yourself from fraudulent telephone sales practices, request a free copy of Straight Talk About Telemarketing. Contact: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580; toll free, at 1-877-FTC-HELP (382-4357); TDD 1-866-653-4261.
The following organizations have additional information:
American Financial Services Association
919 Eighteenth Street, NW
Washington, DC 20006
National Association of Consumer Agency Administrators
1010 Vermont Avenue, NW, Suite 514
Washington, DC 20005
Navy Personnel Command
Personnel and Family Readiness (PERS-662C3)
5720 Integrity Drive, Building 768
Millington, TN 38055-6620