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Credit Reports

What are they saying about you?

What you don’t know can hurt you


Be proactive on this one. Credit reports containing errors will cost you financially and personally.

Request reports annually


You are entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies – Equifax, Experian, and Transunion.

Space your requests in order to see updated information. For example, order your report from Transunion in February; your report from Experian in June and your report from Equifax in October. Repeat the following year.

Credit reports are free. Credit scores are not.


Order your credit report from www.annualcreditreport.com, the only authorized website for free credit reports, or call them at 1-877-322-8228. You will need to provide your name, address, social security number, and date of birth to verify your identity.

A credit report does not include your credit score. If you want your score included with your report, there is a charge. If you don’t want to pay extra, simply click cancel or no when you are prompted to buy.

Dispute incorrect entries


You must dispute the account with the listed lender and the credit reporting agency. To begin a dispute, notify the agency and the lender in writing. Keep a log of all actions taken and all responses received. Use the contact information below.

Is fraud involved in a credit report entry?

If you think an entry in your report is fraudulent you should also access the resources of the Federal Trade Commission.

Navigate to www.identitytheft.gov.

This site will guide you through the process of completing the FTC Identity Theft Report which you will need when contacting the credit bureaus.

The FTC’s phone number is 877-382-4357.

woman shocked by computer results
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