|
This page contains data on the three nationwide Credit Reporting Agencies: Experian, TransUnion and Equifax. These three agencies supply the credit reports that are pulled on you when you apply for credit, or possibly insurance or employment. Most of the contact information gets you to machines only; speaking with an actual live human being about your credit report is usually only possible after you have requested and received a copy of your credit report directly from the agency you are needing to deal with. The credit report you, as a consumer, receive directly from a credit reporting agency will contain instructions on how to dispute anything you feel is incorrect.
Credit reports are available, in some cases, over the Internet; click on the links to the credit reporting agencies if you want to check into this.
You are entitled to a free credit report when you are denied credit, insurance or employment from the agency whose report was pulled as part of your investigation process. You must request this report within 60 days, and only the agencies that were actually checked are required to supply you a report free of charge. You can also receive a copy of your report from any CRA (Credit Reporting Agency) if you have reason to believe there is fraudulent information on their credit report for you. This can be done at least once per year. And, you are entitled to a free report from time to time if you are unemployed but planning to seek employment or if you are receiving welfare assistance. Instructions on receiving these reports are available at their toll-free telephone numbers.
Information about credit reports and credit reporting is (or will be) available on my page on The Credit Reporting Industry on this web site. And links to sources involved with consumer protection are on my page titled Consumer Information Links.
I hope the information on these pages will be of assistance to you. |
