Credit Bureaus

You are allowed by law, one free credit report per year, per credit bureau. That means you can get three free credit reports per year. If you stagger them every four months, you will have a pretty good idea of the information about you that is available to your employer, your potential employer, anyone from whom you apply for credit (banks, mortgage lenders), and your potential landlord.

It is best for you to contact the bureaus directly without going through a link on somebody else’s site. Think about it. Do go over the report carefully to make sure there is nothing on it that shouldn’t be there. The reports from all three will not necessarily be identical, but make sure the credit history reflected in them is actually yours. Also check and see who’s been looking at your credit.

The big 3 credit bureaus are:

Equifax
P.O Box 740241
Atlanta GA 30373-0241
1-800-585-1111
http://www.equifax.com/

Experian
P.O. Box 2104
Allen TX 75013-2104
1-888-397-3742
http://www.experian.com/

Trans Union
2 Baldwin Place
P.O. Box 1000
Chester PA 19022
1-800-888-4213
http://www.transunion.com/

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