Obtaining A Free Credit Report

Once per year every person is entitled to receive a free copy of their credit reports from all three of the credit reporting agencies.  The free credit report is available through the web site www.annualcreditreport.com.  This is the official web site set up to provide the free credit reports by the Federal Trade Commission, www.FTC.gov.  The free reports are available from each of the three credit reporting agencies, Expreian, Equifax and Transunion.  Be careful when obtaining your free report, you will be ask if you want additional services, the additional services have fees associated with them.  If you only desire to obtain your FREE credit report, and you are requested to enter a credit card number, you are likely paying for an additional service.

You may also request your free credit reports by telephone or mail by following the links on the annualcreditreport.com web site.

If you believe your identity has been stolen, contact all three agencies immediately and place a Fraud Alert on your credit profile.  Placing a Fraud Alert on your credit profile will make it more difficult to open an account using your information.  There are specific steps that must be take to obtain credit once a fraud alert is in place.  You may also contact the Federal Trade Commission to inform them of the identity theft and for more information.

If you have errors on your credit report contact the agency and the creditor in writing to correct the error.  After an investigation of your reported error, the credit reporting agency will reply to you with the action they have taken in response to your report.

The individual agencies may be contacted at the following addresses.
Equifax: www.equifax.com
Experian: www.experian.com
TransUnion: www.transunion.com
The addresses of the three Credit Reporting Agencies are:

Correspondence

Equifax
P.O. Box 740256
Atlanta, Georgia 30374
Experian
P.O. Box 9554
Allen, Texas 75013
TransUnion
P.O. Box 6790
Fullerton, CA 92834
Corporate Headquarters

Equifax
1550 Peachtree St., NW
Atlanta, GA 30309

Experian
475 Anton Blvd.
Costa Mesa, CA 92626

TransUnion
555 W ADAMS ST
TRANS UNION LLC
CHICAGO IL 60661

Agent for Service of Process
Equifax
Kent E. Mast, Agent for Service of Process
1550 Peachtree St., NW
Atlanta, GA 30309

Experian
C T Corporation System, Agent for Service of Process
818 West Seventh St.
Los Angeles, CA 90017

TransUnion
The Prentice Hall Corporation System, Inc., Agent for Service of Process
2730 Gateway Oaks Dr. Ste. 100
Sacramento, CA 95833

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