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Importance of Good Credit |
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National Consumer Reporting Agencies |
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| You can request a copy of your credit report online, or by phone or mail (typed or printed) from one of the three national consumer reporting agencies below: |
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| Corresponding With Consumer Reporting Agencies |
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Be sure to include:
- Your signature
- Full name, including generation (Jr., Sr., I, II, III)
- Spouse's name (if married)
- Current address (including zip code)
- Any previous address for the past five years (including zip codes)
- Social Security number
- Date of birth
- Current employer (if unemployed, note that)
- Daytime telephone number
You should also include a photocopy of documentation showing proof of your current address, such as a recent billing statement from a major credit card company, a recent utility bill, or your valid driver’s license. |
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| Costs |
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You are entitled to a free copy of your credit report from each of the three consumer reporting agencies once every 12 months. You also have the right to view a copy of any credit report that was used in denying your application for credit within the past 60 days. You will be provided with instructions on how to obtain that copy by the organization that denied you credit. |
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