• Experian:
 Experian
 PO Box 2002, Allen, TX 75013
 (888) 397-3742
 Website: www.experian.com

• Trans Union:
 Trans Union
 PO Box 2000 Chester, PA 19022
 (800) 888-4213
 Website: www.tuc.com

Annualcreditreport.com 
National Service that provides all consumers with one free credit report per year. 
(877) 322-8228 
Website: www.Annualcreditreport.com

It is important to keep in mind that each credit report may contain different information.  Many creditors do not report to all three bureaus.  This is why it is very important to get copies of ALL THREE credit reports.  This will ensure that you will see all of your credit information. 

The following information is required when ordering credit reports:

• Social Security number

• Date of birth

• Current and previous addresses for the past five years

• Maiden name (if applicable)

After you have received your reports, review them very carefully. It is important to understand that credit bureaus generate your report on information they receive from your creditors; they don’t verify what is provided to them. It is your responsibility to ensure what is being reported about you is correct.   If your credit report contains errors, do not panic.  Each report will come with instructions on how to dispute inaccurate items.  The agency must investigate the items, usually within 30 days, with the source of the information in question to determine whether or not the dispute is valid. The source must review the dispute and report its findings back to the agency.

If the dispute is valid, the source must also inform other credit reporting agencies to which it has provided the data of any error. The agency must provide you with a written report of the investigation and a new copy of their credit report if the investigation results in any change. If an item is deleted or a dispute statement is filed, the consumer may request that anyone who has recently received his or her report be notified of the change.

If the investigation does not resolve the dispute, you have the right to add a 100 word statement to your file. The credit reporting agencies must include a summary of the statement in future reports.

Be sure to document all of your communication regarding your dispute. Keep copies and records of all the forms, letters and documentation that you send the credit bureaus, plus dates sent.

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