Personal Finances

How to Contact the Credit Bureaus

You can get a copy of your credit report from each of the three credit bureaus by contacting them at: The law now allows consumers to get a free credit report once every twelve months from each of the three national consumer credit reporting companies (Experian, Equifax and TransUnion). These three major credit reporting agencies have set up a website——to provide free access to annual credit reports.
The three credit bureaus are Equifax, Experian and TransUnion.
You can get a free credit report once every twelve months from each of the three credit bureaus.

If you’ve been denied credit

Equifax (800-685-1111, (877-284-7942, (800-888-4213,

You may be entitled to a free credit report if you have been denied credit because of a credit report, within 60 days of denial. Otherwise, the credit bureaus may charge you a small fee for a copy of your report. You should get a copy of all three reports, as they may contain different information from different creditors. Dispute any and all inaccuracies. You may be able to resolve discrepancies without needing to hire a credit repair agency as you should be able to resolve inaccuracies on your own. No one can legally make your credit history go away or give you a "new credit identity." Checking your credit report regularly is especially wise, considering all the incidences of identity theft in this day and age.

For more information on credit from the Federal Trade Commission, visit its website.