Experian allows you (legally) to obtain a complimentary (free) credit report once a year, one free credit report if you are turn down for credit by a credit grantor in the last 30 days (be sure to enclose denial letter with request). There is a cost of $8-10, if the above does not apply to you. Equifax and Trans union themselves now offer complimentary reports. And they will give you a free report if you have been denied credit, insurance, employment or a rental opportunity in the last 30 days and or if you pay a small fee of $8 (individual) and $16 for two persons such as husband and wife with a combined report. Call them the numbers are below.

Included in this guide is a sample form that you can use for your convenience. When you look at the form you will notice that personal information is needed in order to receive a report so be sure to write or type neatly because you want to get your credit file fixed up quickly and efficiently. It is very irritating when the credit bureaus send you a letter stating that you have missed spelled something, left out a digit in your social security number or anything silly. Take your time do it right! When sending letters or correspondence to a credit bureau always sends it certified mail with a return receipt. This will insure it got there! Below are the addresses of the credit bureaus that you send the request for credit report(s) to.

EXPERIAN (800) 397-3742
P.O. Box 2106
Allen, TX 75013-9506
experian.com

EQUIFAX Credit Information Services, INC
P. O. Box 740241 (800) 685-1111
Atlanta, GA 30374
equifax.com

TRANS UNION Corp.
P. O. Box 2000 (800) 916-8800
Chester, Penn 19022
transunion.com

Note: It would be a good idea to be sure you have a file with these companies before sending your request. Phone #'s included. Once you know if you have a file with them send a request to each of them at the same time, this will save time. (Certified mail)