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Types of fraud
Get Your Credit Report

How to get your free annual credit report:

Consumers can get a free annual credit report from any of the three Credit Bureaus. To Order:

Online:  www.annualcreditreport.com

By Phone:  1-877-322-8228

By Mail:
Annual Credit Report Request Services
PO Box 105281
Atlanta, GA 30348-5281

Consumers can request additional copies of their credit report throughout
the same year, however fee’s could be incurred.  Also to note: each
consumer will receive one free credit report a year, however to obtain your credit score some fee’s may apply.

When to Check your Credit Report
It's wise to check your credit report for accuracy before obtaining a credit card, auto or mortgage loan. Errors on a credit report might hurt your chances of obtaining a loan at the best terms. Errors can be reported to the three credit bureaus:

Equifax: 1-800-685-1111, www.equifax.com
Experian: 1-800-397-3742, www.experian.com
TransUnion: 1-800-888-4213, www.transunion.com
  • At minimum, check your credit report annually – see above for instructions on how to order your credit report.

Please note: Only incorrect information can be removed from your credit record. No one can remove legitimate items.  Credit Bureaus are required to resolve problems in a reasonable amount of time, generally 30 days.

Beware of individuals who promise to “fix your credit history” – otherwise known as “credit doctors”

  • A quick fix isn’t the best fix. The only thing that can repair a credit report is time and a positive payment history.

  • Some credit repair scams are illegal. “Credit doctors” guarantee a whole new and perfect credit record. In most cases, they’ll give you a social security number that belongs to someone who has good credit. This is fraudulent and will only make your problems worse.

  • Know who you are dealing with, and if it seems too good to be true, it probably is.

Steps you can take to rebuild your credit report:

  • Always pay your creditors on time – start now!  A positive payment history is one of the most important factors lenders evaluate when you apply for a loan.

  • Consider taking out a secured credit card (with lower credit balances) by depositing money with an issuing bank.

  • Consider if you might need professional counseling that will help you set up a budget, get you back on your feet financially and show you how to establish a good credit record. For help, call the Consumer Credit Counseling Service at 800-388-2227.