Phone in your request
· Experian (Formerly TRW):Call 1-888-397-3742. This voice mail system talks to you in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance within the last 30 days based on an Experian report. Otherwise, it will quote a price and tell you how to write for a copy of your free report.
· Trans Union: There is a national phone number for people who have been denied credit in the last 60 days to request a copy of their Trans Union file. 1-800-916-8800 gets you a 24-hour voice mail system, which asks several questions. According to the recording, the report is mailed in 72 hours (normal U.S. mail so allow 5-7 days).
- Equifax: Call 1-800-685-1111. This voice mail system talks to you in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance within the last 60 days.
Caution: If your phone request gets lost, you’ll have to write anyway. If your letter is later than 30 days after you were denied credit, employment, or insurance, you might have you pay for the report. It would be a good idea to mention in your letter the date that you requested the report by phone. Equifax also requests that you follow up your phone order with a written request containing proof of address, your driver’s license, name, date of birth and SSN.
Requesting your report in the mail
Experian
P.O. Box 2104
Allen, TX 75013-2104
If you were denied credit, employment, or insurance within the last 60 days, you might get faster service by calling the voice mail menu.
Equifax Information Service Center
P.O. Box 740241
Atlanta, Georgia 30374-0241
Fax: (404) 612-2668
If you were denied credit, employment, or insurance within the last 60 days, you might get faster service by calling the voice mail menu.
Trans Union
Customer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
When mailing your request, make sure you send all of the information contained here.
Via the World Wide
- Experian – www.experian.com
- Equifax – www.equifax.com
- Trans Union – www.transunion.com
Free ways to get your credit report
· If you were turned down for credit, employment, or insurance within the last 60 days. Take the written proof of your turn down and mail it to the credit bureaus, requesting your free report.
· If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from the bureau.
· If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days.
· If you are on welfare.
· If you write to say you were a victim of fraud.
· Some states have laws requiring the bureaus to provide one free credit report per year.
· If you are too impatient to wait for this, you can always order your credit report online.