It is important to monitor your credit report regularly for accuracy. An inaccurate credit report can hurt your chances of getting loans, and can increase your payments when you do obtain loans.

How to obtain a credit report
There are three major credit bureaus: Equifax, TransUnion, and Experian. These bureaus acquire credit data from creditors such as lenders, credit card companies, and retail establishments. They also search court records for lawsuits, judgments, and bankruptcy filings.

Under the FACT Act, you are entitled to one free credit report per year. To obtain your free report, visit their website, call 1-877-322-8228, or mail requests to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

There are three major credit bureaus: Equifax, TransUnion, and Experian. These bureaus acquire credit data from creditors such as lenders, credit card companies, and retail establishments. They also search court records for lawsuits, judgments, and bankruptcy filings.

Equifax: 1-800-525-6285 
www.equifax.com
P.O. Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-397-3742 
www.experian.com 
P.O. Box 9532, Allen, TX 75013

TransUnion: 1-800-680-7289 
www.transunion.com 
Fraud Victim Assistance Division 
P.O. Box 6790, Fullerton, CA 92834-6790

Annual Credit Report