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Thread: Credit Reports

  1. #1
    Join Date
    Jul 2002
    St Paul, Minnesota
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    Anyone got any experience with credit reports, verifying, or getting corrections made?

    I just reviewed Equifax (22 pages) and found some interesting things. It is under if anyone is interested in reviewing theirs.


    First, review the map below to find out when free credit reports become available in your state through this website.
    Then, select how you want to request it.
    Request your Credit Report Online
    You Can SEE and PRINT Your Report Online NOW! It's Quick, Easy and Secure. Begin by selecting your state:

    Request your Credit Report by Phone
    Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you.

    Request your Credit Report by Mail
    You can request your credit report by mail by filling out the request form and mailing it to:

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

    You must have an Adobe viewer to download the request form. Download the free Adobe viewer.

    For your security, and in order to ensure you are using the request form that has been authorized by the Central Source, please use the link above to download the form from this website. Only the Central Source, and Equifax (at, Experian (at and TransUnion (at as it's members, have been authorized by law and the government (see to provide free credit reports as described on this site. We cannot ensure your personal information will be kept secure and used for proper purposes if you use forms or provide information to persons, addresses, numbers, etc. not authorized by this site or the entities listed above.

    If you are under 13 years of age or you are requesting a credit report for your child under 13 years of age, instructions for completing these requests can be accessed by clicking mail request for a child under 13.

  2. #2
    Join Date
    May 2004
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    The law varies from state to state but you are allowed 1 free per year... 2 per year in some states.

  3. #3
    Join Date
    May 2002
    Baton Rouge, Louisiana
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    Do a search on

    There is a new law that allows you to get your credit report free once a year, from the 3 different credit reporting agencies, so essentially dont do them all at once, then you get three free credit reports a year.

    There are some very good threads in the finance section about this.
    Quote Originally Posted by MatrixTransform View Post
    very soon it is you that will be pwned

  4. #4
    Join Date
    Oct 2005
    Post Likes
    Don't bother getting your scores, they are not the ones companies use. They do their own calcs on them.

    [Edited by titleless on 10-08-2005 at 09:22 PM]

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