Consumer: Free Credit Report
Authored By: Legal Aid of North Carolina
To get a free credit report from each of the three credit bureaus you can go on line to:
You may also call:
Equifax Credit Information Services at 1-800-685-1111
P.O. Box 740241 Atlanta, GA 30374-0241
TransUnion Corporation at 1-800-916-8800
P.O. Box 1000 Chester, PA 19022
Experian at 1-888-397-3742
P.O. Box 2104 Allen, TX 75013
Under Federal law you have the right to receive a free copy of your credit report once every 12 months from one of the consumer reporting agencies.
Why is my credit score important?
Credit scores are used by lenders to estimate the likelihood a person will make payments on time. You can obtain your credit score when you request your annual credit report. There will be a fee for providing your credit score. The higher your credit score the easier it is to obtain credit at a low interest rate.