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Click Here to
Stop Collection
Company Abuse
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To get
a copy of your credit report, visit the websites of the 3 credit
reporting agencies or call their toll free numbers.
TRANS UNION
Website:
www.transunion.com
Phone- 1-800-888-4213
EXPERIAN
Website:
www.experian.com
Phone- 1-888-397-3742
EQUIFAX
Website:
www.equifax.com
Phone- 1-800-685-1111
To find out specifically why you have been turned
down for credit, you should have a report from all 3 agencies
listed above, as the information contained in the 3 reports may
be very different. Each report should come with a special form
for submitting changes or updates. If you ordered a copy of your
report and did not save that form, we can send you a free
dispute letter, which can be modified to fit your needs. If you
need help, contact us.
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The Fair Credit Reporting Act (FCRA), a
federal law, was created to help protect the privacy of information in the
files and reports that are created by each "consumer reporting agency" (CRA).
This information shows whether or not you pay your bills on time, what
credit accounts you have open or closed, and your long term payment history.
In addition the report provides personal information including social
security number, address, phone number and place of employment. If you apply
for a credit card, bank or other loan, or seek housing through rental, those
you apply to will need to see your report. The FCRA gives you specific
rights. You may have additional rights under state law. (more...)
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