Home Business Tips

How to Obtain a Copy of Your Credit Report

Steps:

1. Visit the Web site for one of these credit reporting agencies: Equifax (www.equifax.com), TransUnion (www.transunion.com) or Experian (www.experian.com).
2. Decide whether you want to order a report online, by phone or by mail.
3. Have a credit or debit card handy if ordering online or by phone.
4. Include your full name, current address and any other addresses you have had in the last two years, Social Security number, date of birth, current employer and phone number if ordering by mail. Sign your request and include a check for the applicable amount. You can expect to receive a paper copy of your credit report within 15 business days.
5. Review the report closely for errors. If you do find errors, inform the bureau in writing that you believe the information is in error. Include copies of any documentation to support your position.
6. Consider using one of the services that reports information from all of the major agencies - they can sometimes report information differently.

Tips:
You may qualify for a free copy of your credit report if you can verify one of the following: You are unemployed, on welfare or plan to seek employment within 60 days; you have recently been refused credit due to something in your credit report; you believe you are a victim of fraud; you live in Colorado, Georgia, Maryland, Vermont, Massachusetts or New Jersey.

Small/Home Business Tips, Finance 2005-11-21 Home Business Tips