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Receive A Copy of Your Free Credit Report

You are now entitled to receive a copy of your free credit report every year under the new credit report law. If you do not qualify, you are still entitled to receive your free credit report from Experian, Equifax and TransUnion:

  • If you were a victim of credit fraud
  • If you are currently on welfare or disability
  • If you are unemployed.
  • If you were denied credit, insurance or employment in the last 60 days

    You are also entitled to receive a copy of your free credit report once a year if you are a resident of Colorado, Maryland, Massachusetts, New Jersey and Vermont. Residents of of Georgia may receive a copy of their free credit report twice a year.

    Please note that if you were recently denied credit, insurance or employment, the company or employer that denied you must have used at least one of the three main credit bureaus or the regular and standard fees apply.

    Credit Bureau Contact Information


    To receive your free credit report, you must qualify based on the above free credit report criteria or qualify under the new credit report law. Otherwise, you may purchase your individual credit report directly from the credit bureaus.

    To receive your free credit report, send your request by mail (if possible by certified return receipt), state the reason for your request (as stated above) and include all of the necessary information listed at the bottom of this page.

    To purchase your credit report, visit the following credit bureau links and purchase your credit report online or call toll-free and purchase your credit report by telephone. The costs are as follows; Experian $9.50, Equifax $9.00, TransUnion $9.50.

    Experian (formerly TRW) - www.experian.com
    PO Box 2106
    Allen, TX 75002-2106
    888-397-3742

    Equifax - www.equifax.com
    PO Box 740256
    Atlanta, GA 30374-0256
    800-685-1111

    TransUnion - www.transunion.com
    760 Sproul Road
    Box 403
    Springfield, PA 19064
    800-916-8800

    To receive your credit report, you may need to include all of the following by mail: your full name, current address, previous addresses for five years, day and evening telephone numbers, current place of employment (if employed), social security number, date of birth, copies of two proofs of address (drivers license, utility bill, etc.) and the reason that you are requesting your credit report.


     

     
  • Credit Report Tutorial


    For a step-by-step tutorial on how to read and improve your credit report and credit score, including free forms to dispute errors and inquiries, please browse through our understanding credit section.

    Credit Report Tip


    Check your credit report regularly for errors and fraud!

    Most people find out about errors and fraud in their credit report after applying and being denied for a mortgage, a credit card, an auto loan or lease and during a background check for an apartment or new employment position.

    Financial Directory


    CCFCofAmerica.com is in the process of completing a free financial services directory.

    Once completed, you will have access to all of the following financial service providers:
    -Credit Counseling
    -Debt Consolidation
    -Debt Settlement
    -Credit Report Service
    -Credit Repair Service
    -Loan Officers
    -Mortgage Companies
    -Insurance Services
    -Financial Planners
    -Foreclosure Advisers
    -Auto Loan Companies
    -Bankruptcy Attorneys
    -Plus more!


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