How Do You Obtain Your Credit Report?

        To get your credit report, you must provide the following information to Experian, TRANSUNION, or EQUIFAX:

        • Full name, including any maiden name
        • Spouse's name (if appropriate)
        • Current address
        • Previous address (if needed for 5 year history)
        • Social Security number
        • Date of birth
        • Signature

        If you have been denied credit because of derogatory information in your file, you may ask what credit bureau supplied your credit history and obtain your credit report free within 60 days.

        Experian will provide one free report yearly; call 888-397-3742 for further information.

        EQUIFAX charges $8.00; except for residents of some states; call 800-685-1111

        TRANSUNION charges $8.00; call 800-916-8800

        Memphis Consumer Credit Association (Equifax System Affiliate) charges $8.00; call 800/866-1265; locally 452-5991; or visit office at 4066 Summer Avenue.

        What Do you Do if There is Negative or Incorrect Information?

        If the negative information is true, you can:
        • Pay any balances so that creditors can update file.
        • Wait the required length of time to lapse for negative information to be taken off.
        • Write an explanatory statement (100 words or less) to be included in future reports. While the law limits this statement to disputes, most credit bureaus will include explanations, such as unemployment.

        Credit bureaus must automatically delete derogatory information which is more than seven years old, with the exception that bankruptcy declarations are deleted only after ten years.

        If you believe information is incorrect, you can:
        • Fill out a dispute form if one is provided or write you own request for an investigation of any inaccurate information.
        • If the information is verified to be inaccurate, within 30 days, the credit bureau must correct or delete this information.
        • If consumer thinks creditor is wrong, he or she should contact to discuss, and if not resolved, consumer can include 100 word statement in credit report.

        If any deletion or notation is made regarding the information, you may request that the information be sent to any employer who has received a credit report during the past two years and in addition, anyone else who has requested credit information in the previous six months.

        Consumer Voice * Consumer Credit Information
        This site developed and maintained by
        LUNA