By federal law you have the right to find out what consumer credit information is collected in your name.
You are entitled to a free credit report (section 612(b) of the Fair Credit Reporting Act) in situations when a company has denied your application for credit, insurance, or employment, based on information in your report. You must ask for your report within 60 days of receiving notice of the action.
Once every 12 months, Equifax, Experian, and TransUnion must provide you with a free copy of your credit report if you do so request.
You’re also entitled to one free report a year if your report is inaccurate because of identity theft or fraud, and if you’re on welfare or unemployed and plan to look for a job within 60 days.
Don't forget to date and sign your letter and keep a copy of the letter for your records.
Equifax Information Service Center
P.O. Box 105873
Atlanta, GA 30348
P.O. Box 2002
Allen, TX 75013
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
RE: My Credit Report
To whom it may concern,
In accordance with the Federal Fair Credit Reporting Act (FCRA), I wish to request a free copy of my credit report to ensure that it is correct. My details are:
Social Security Number:
Years I have lived at my current address:
Previous addresses during the last five years:
(Address - City, State and ZIP Code)
(Your phone number)