Credit Reports

FCRA Disclosures

The Federal Fair Credit Reporting Act allows you to obtain a copy of your consumer credit report from any consumer credit reporting agency for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting agency free of charge under the following circumstances:
-You have been denied credit, insurance or employment in the past 60 days as a result of your report
-You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
-You are a recipient of public welfare assistance
-You have reason to believe that your file at the agency contains inaccurate information due to fraud
The Act also permits consumers to dispute inaccurate information in their credit report without charge.  Accurate information cannot be changed. If you are a resident of Colorado, Maryland, Massachusetts, New Jersey, or Vermont, you may receive a free copy of your consumer credit report once each year, and if you are a resident of Georgia, twice each year.

To order a free credit report via mail call:

Equifax: 800-685-1111
Experian: 888-397-3742 
TransUnion: 800-888-4213

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