 |
|
Select a topic from our most commonly asked questions |
|
|
|
|
Ordering a credit report
Your credit report is available from a variety of sources, most conveniently through the Internet. Often, there are other useful tools and resources you can purchase with the report that can give you insight into your creditworthiness, how to improve it and how to manage your personal finances. Unless you get a report compiled for consumer use, the report may not include all of the information in your credit history or provide instructions to dispute information you believe is inaccurate.
A credit report may be obtained from Experian at no charge under the following circumstances:
- Once every 12 months, as required by the Fair and Accurate Credit Transactions Act (FACT Act). For more information about eligibility and how to order, visit www.annualcreditreport.com.
- If you certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
- If you believe you are a fraud victim or that you are at increased risk of fraud.
- Whenever your request for credit, insurance, employment or rental housing is denied based on information received from Experian, if you contact us within 60 days of the denial. You also may receive a free copy if “adverse action” was taken against you based on information in your credit report (e.g., your interest rate was raised or your credit limit was decreased). The company that declined your application or took adverse action will provide the name of the credit reporting company that provided your credit report and how to contact that company for a copy.
To purchase a copy of your credit report, visit our Web site at www.experian.com/reportaccess or call 1 888 EXPERIAN (1 888 397 3742).
Please have the following information when you call to order. The information is necessary for Experian to compile a complete and accurate copy of your credit report.
- Full name (including generation, such as Jr., Sr., III)
- Complete current and previous mailing addresses (for a two-year period). If you have moved within the past six months, you may be asked to send Experian two documents, such as copies of a utility bill, driver’s license, insurance statement or bank statement that show your name and current address to verify your identity. A mailing address will be provided.
- Social Security number
- Date of birth
There is a nominal fee for additional reports if you already have received a free report under the FACT Act or do not meet the criteria for a free report as described above. Some state laws provide free reports or reduced prices for their residents as well. Correct pricing for your state will be provided when you request your Experian credit report.
|
|
|
|
Credit education
Products
Subscribe to RSS feed