How To Obtain Your Credit Reports

Get your free credit report at www.annualcreditreport.com. This service is 100% free.

Obtaining your credit report one of the three ways mentioned here will not put an unfavorable inquiry on your credit report. Inquiries cost you points on your credit score.

We cannot accept 3 in 1 reports or reports pulled through a 3rd party report company, like a mortgage office or the like. These 3rd party reports would put an unfavorable inquiry on your credit report.

Everyone has their own individual credit report. If your spouse needs assistance with their credit, then he/she should also get a copy of their individual credit report from each credit reporting agency.

If you have been turned down for credit in the last 60 days, you are entitled to a complimentary copy of your report at no cost. You must use one of the three ways below to obtain reports. No other reports will be accepted.

Order Your Credit Report Online

Experian

Equifax

TransUnion

Order Your Credit Report By Mail

Receive in 7 to 10 days. This is the best way to order your reports if you have been denied credit in the last 60 days. Mail the following letter to each of the three bureaus:

To whom it may concern, please send me a copy of my credit report.
My Full Name { Last, First, Middle. Jr., SR, III }
Current Address and Zip Code
Former Addresses and Zip Code in Last 2 Years
Social Security Number and Date of Birth

When requesting reports by mail you MUST send Certification of Name and Address, such as Copy of Driver's License, SS Card, Bank Statement, Public Utility Statement or something that certifies proper person is requesting credit report. If you are requesting an additional report for your spouse, then the same information above is needed along with proof of identification. Your address identification MUST match your current address.

Send a $10.00 check or money order with each credit report request letter or send a copy of your credit denial letter received within the last 60 days, if requesting a complimentary copy of report.

Use the following addresses to obtain your credit reports:

Order Your Credit Report By Phone

Receive in 7 to 10 days. You must have a credit card or visa debit card to order by phone. To order by phone, you must have a credit card to pay for the report or credit denial letter handy.

Mail original reports to your Representative once obtained. Mail reports within 7 days of obtaining them (reports expire). Include a clear copy of your drivers license and social security card. Include completed client agreement paperwork.