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reports online
Your Guide to Credit Reports
When you approach banks, credit unions, finance companies, mortgage
lenders or merchants for credit, you are not judge by your character
since they don't know you personally. The cost of verifying your
credit score is greatly reduce by enlisting the help of credit
reporting agencies. These credit agencies specialize in compiling
and selling information about the credit history of individual
borrowers.
Credit Reporting Agencies like...Read
More
Your Guide to Credit Reports
[Continued]
Equifax,
Experian
and Trans
Union are the three largest credit reporting agencies. Credit
reports are used by lenders to review your past and present credit
history to figure out what are the best financing options available
to you. The creditors running your credit rely on the major credit
reporting agencies to provide accurate information about your
credit history.
Detailed information contained in your credit history will show
if you are facing credit problems, and if you are how bad the
credit problems are, have bad credit history (like missing payments),
or have good credit standing.
Credit reports will never include any information unrelated to
credit such as your life style, friends, habits or religious or
political affiliation. These information is totally unrelated
to the creditor, therefore should not be used against you to determine
available financing options.
It is encouraged that you review your credit report yearly. Credit
report agencies handle massive amount of data and are often criticized
for large number of reporting errors. You verify the information
in your credit report and ask for correction of any discrepancy
immediately by the credit reporting agency. You may be rejected
for credit not because you have bad credit standing, but your
records with the major credit reporting agencies was not updated
when the creditor performed a credit check.
Major Credit Bureaus:
EQUIFAX - PHONE: (800) 378-2732, (800) 685-1111, (800) 505-1208
http://www.equifax.com
For Credit Report Copies:
EQUIFAX CREDIT INFORMATION SERVICES
P.O. BOX 740241
ATLANTA, GEORGIA, 30375
To Send Disputes:
EQUIFAX CIS
P.O. BOX 740256
ATLANTA, GEORGIA 30374
TRANS UNION - PHONE: (800) 916-8800, (800) 888-4213
http://www.transunion.com
(For Credit Report Copies)
TRANS UNION CORPORATION
P.O. BOX 1000
CHESTER, PENNSYLVANIA 19022
(To Send Disputes)
TRANS UNION CORPORATION
P.O. Box 34012
Fullerton, CA 92831
EXPERIAN - PHONE: (888) 397-3742, (800) 520-1221, (800) 682-7654
http://www.experian.com
(To Send Disputes and Credit Report Copies)
EXPERIAN
P.O. Box 2002
Allen, Texas 75013
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