Consumer Credit Center

Your credit score.
Think of it as your reputation in numerical form.

Your credit score can open – or close – a lot of doors. Not only does it determine whether or not you can get a loan, it also helps decide the interest rate you’ll receive. Take care of it, and it will take care of you. It’s as simple as that.

Many financial experts suggest you review your credit report at least once a year. In 2004, congress passed the Fair Credit Reporting Act, which entitles you to receive a free credit report once a year. You can call or write any of the three credit reporting agencies for your free report.

 

Equifax
www.equifax.com

To request a copy of your credit report, call OR write:

  • Phone: 800-685-1111
  • Write: PO Box 740241, Atlanta, GA 30374-0241

To report fraud, call AND write:

  • Phone: 800-525-6285 or TDD 800-255-0056
  • Address: PO Box 740241, Atlanta, GA 30374-0241

Experian
www.experian.com

To request a copy of your credit report, call OR write: 

  • Phone: 888-397-3742
  • Address: PO Box 2104, Allen, TX 75013

To report fraud, call AND write:

  • Phone: 888-397-3742 or TDD 800-972-0322
  • Address: PO Box 9532, Allen, TX 75013

TransUnion
www.transunion.com

To request a copy of your credit report, call OR write:

  • Phone: 800-916-8800
  • Address: PO Box 1000, Chester, PA 19022

To report fraud, call AND write:

  • Phone: 800-680-7289 or TDD 877-553-7803
  • Address: Fraud Victim Assistance Division, PO Box 6790, Fullerton, CA 92834-6790