Before you apply for any type of credit, order your credit report and review the information registered. You can then straighten out any negative or inaccurate ratings before your loan application.
To acquire your credit report, contact one (or two or three) of the main credit bureaus in the U.S. by letter and request a copy of your report. For security purposes, they require your written authorization to release such information. Figure shows a sample letter.
You must accurately list all the pertinent information in this letter. Include middle initials, Jr. or Sr., if appropriate, and previous addresses if you have moved frequently. In order for the credit bureau to identify you further, include a copy of some identification, such as a driver’s license, an employee ID, or a paid utility bill. You should receive your credit report within two weeks after the credit bureau receives your payment and written request.
To acquire your credit report, contact one (or two or three) of the main credit bureaus in the U.S. by letter and request a copy of your report. For security purposes, they require your written authorization to release such information. Figure shows a sample letter.
You must accurately list all the pertinent information in this letter. Include middle initials, Jr. or Sr., if appropriate, and previous addresses if you have moved frequently. In order for the credit bureau to identify you further, include a copy of some identification, such as a driver’s license, an employee ID, or a paid utility bill. You should receive your credit report within two weeks after the credit bureau receives your payment and written request.
You’re entitled to a free credit report if a creditor denied your application within the last 60 days. Otherwise, you probably have to pay a service fee for each report. You can send your letter of request, check for the service fee and proof of identification to the local addresses of any of the three credit bureaus in your area. If no local offices are available to you, use the following addresses and toll-free telephone numbers of the headquarters of each major bureau. Call ahead to verify the amount of the service fee and any change in the headquarter address.
Experian (TRW)
P.O. Box 2104
Allen, TX 75013
(800) 831-5614
Trans Union
P.O. Box 390
Springfield, PA 19064
(800) 916-8800
Equifax
P.O. Box 740193
Atlanta, GA 30374-0193
(888) 397-3742
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