Credit Reports & Repairs
It is very important to watch your credit report. It is not uncommon that consumers find errors on their reports. There are three nationwide consumer credit reporting agencies (“CRAs”) and each report differently so you should check each report. Consumers have the right to request one free annual credit report from each of the CRAs. To order, go to www.annualcreditreport.com, call 877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
If you believe there is an error on your credit report, you may dispute the trade item by sending a dispute letter to the CRA. The addresses for dispute letters to the main CRA's are:
| TransUnion LLC Consumer Disclosure Center P.O. Box 2000 Chester, PA 19022-2000 (800) 916-8800 |
Equifax Information Services, LLC Complaint Department P.O. Box 740256 Atlanta, GA 30374 (888) 873-5420 |
Experian NCAC 701 Experian Parkway Allen, TX 75013 (800) 583-4080 |
To complain about a credit bureau, file a complaint online at www.ftc.gov.
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