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What Is A Credit Report?
The report also provides information concerning your current and past employers, address and payment history. Is the report used when I try to obtain credit? Yes. The credit report will be used to determine if you will be able to qualify for what you are trying to purchase. After you have submitted your application form to a particular company,they will look at how you have paid your bills. If you have a good payment history, it is likely that you will be able to get the credit you have applied for. If your payment history is poor, your application will most likely be rejected. If you are approved to make a purchase with a payment history which is borderline, you may pay an enormous amount of interest for what you have applied for. Who are the three credit bureaus and how do I contact them? The three credit bureaus are: TransUnion P.O. Box 2000 Chester, PA. 19022 1-800-888-4213 www.transunion.com
Equifax P.O. Box 740256 Atlanta, GA. 30374 1-877-784-2528 www.equifax.com
Experian P.O. Box 2104 Allen, TX. 75013 1-888-397-3742 www.experian.com
Can I get a free credit report? Yes. You can receive a free report on an annual basis at no cost at annualcreditreport.com You can also contact the three credit bureaus directly to receive your free annual report. How do I go about disputing or correcting problems on my report?You can contact the credit bureau directly by telephone, mail or online.
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