What's In Your Credit Report
If you're having trouble getting credit, try checking your credit report yourself. The credit report tells how you've managed your credit in the past. Companies examine your credit report before deciding whether to give you credit. When a company denies your request for credit because of your credit report, it must tell you so and identify the bureau that supplied the report.
Credit bureaus are required by law to share with you any information they have on file about you. You can find out what's in your credit report by taking the following steps:
- Contact local credit bureaus. You can find them listed in the telephone Yellow Pages under "Credit Bureaus" or "Credit Reporting Agencies." Your local bank or retailer may also be able to identify them.
- Ask for a copy of your credit report. Connecticut law entitles you to a copy of your credit report for $5 for the first copy within a 12-month period. However, your credit report is free if you've been turned down for credit within the past 60 days. You are also entitled to a free credit report if you've been turned down for employment, insurance, or renting somewhere to live based on your credit report.
- Most credit rating agencies will mail you a copy of your report. Each of them has different requirements on what they will need to process your request, so you should call them at the number listed below. Also, under the law you have the right to visit their offices to review your credit report in person.
For Copies of Credit Reports:
Equifax, P.O. Box 740241, Atlanta, GA 30374-0241 or call: (800) 685-1111
Experian, P.O. Box 2104, Allen, TX 75013 or call: (888) 397-3742
Trans Union, P.O. Box 1000, Chester, PA 19022 or call (800) 888-4213
Content Last Modified on 3/15/2011 10:36:16 AM