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Protecting your credit report is important. When someone pulls your credit it's important for you to know what they will see. Obtaining a copy of your own credit report is easy and free.
Read on to learn how to pull your own credit report and how to dispute any inaccuracies. If you are unable to do this or need help you may want to contact an attorney. Low-wage workers may call our office for a free legal consultation.
How can I protect my credit report?
You can obtain your credit report once a year for free from annualcreditreport.com.
To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You should obtain your report from the three major reporting bureaus: TransUnion, Equifax, and Experian. If you do not owe the debt and it is appearing on your reports, you should send a dispute to all the credit reporting bureaus. Provide them with any documentation that supports your position. If the credit bureaus do not remove the debt contact an attorney. Low wage workers may contact us free of charge.
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