I’m unable to get my free credit report and not sure what to do?
no name asked:
I went to the free credit report sites and they weren’t able to process my information due to the fact they asked me a question about something on my account that shouldn’t be there. So if you can only speak to a live representative after you order a free credit report.How do I inform them the mortgage they were asking about shouldn’t be there and that I’m unable to get my report due to this false information? Is there a mailing address for the credit report companies I can mail a letter to? I only get a automated message when I call the credit report companies. I need to get my credit report before I can work with a credit repair company on how to fix my credit.
The site I was on didn’t give a mail in option. Just unable to process from the information I gave.
Lucy
I went to the free credit report sites and they weren’t able to process my information due to the fact they asked me a question about something on my account that shouldn’t be there. So if you can only speak to a live representative after you order a free credit report.How do I inform them the mortgage they were asking about shouldn’t be there and that I’m unable to get my report due to this false information? Is there a mailing address for the credit report companies I can mail a letter to? I only get a automated message when I call the credit report companies. I need to get my credit report before I can work with a credit repair company on how to fix my credit.
The site I was on didn’t give a mail in option. Just unable to process from the information I gave.
Lucy
December 30th, 2008 at 4:43 am
From what i understand if you are unable to answer the questions online they give you the option to receive the report by mail do they not?
January 1st, 2009 at 8:31 pm
Perseverance, patience, persistence, and politeness (yes, I said it) will get you to your goal. It is not a pretty process, but you can get your records corrected over time. It varies by situation and resource accessibility (i.e., how close are you to certain key offices), so I would not dare to give you an estimate of how long it would take. Just know that it will and does work. Check out the sources I’ve included below and always keep copies of everything you send.
January 3rd, 2009 at 3:43 pm
This is the information that shows up on the following reports;
Equifax CSC box 619054 Dallas, TX 75261 800-292-7816
Transunion box 1000 Chester, PA 19022 800-888-4213
Sorry don’t have Experian.
You might also try 1-877-322-8228 this is the 800 number for annualcreditreport.com.
January 7th, 2009 at 7:55 am
The only Free Credit report is from. You are allowed 1 free report from each of the 3 main credit reporting agencies per year.
The quickest way is over the internet, but if you could not be verified you can still get one. You have to request it by Phone or Mail and they will then mail you your report. The link below will give you all of the instructions for doing it through the phone or mail.
For the mail you have to download the request form(Provided on that page) and mail it to
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Also, be very careful of any “Credit Repair” company. No company can fix valid information on your report. You can also do everything they will do to fix incorrect information, but you can do it for free or very low cost(the cost of some paper, stamps, and envelopes).
January 7th, 2009 at 1:18 pm
The best site is
you can check all three bureaus. I suggest checking one now, then a second in 4 months, the third 4 months after that. Then you can start over again in 4 months.
As far as the mortgage info goes, write a letter to the mortgage company and credit bureau disputing charges. I would also suggest sending by certified Mail Return Receipt requested of course keeping a copy for your records. You can clean your report by yourself by doing the above. You also could contact a Primerica (white pages) agent for no monetary fee on getting out of debt and financially independent. Good luck
January 10th, 2009 at 1:28 am
First off, when they ask about or they say their records show certain accounts/debts, these are trick questions. Only you should know what types of debt you have. You should be concerned if you answered ‘no’ to the ones you know you don’t have and then they deny you access.
AnnualCreditReport.com is the only government approved site to receive your free credit reports. Any other site will want you to sign up for credit monitoring services.
If you want your credit reports mailed to you, you can call 1-877-322-8228 or you can print a request form (https://www.annualcreditreport.com/cra/requestformfinal.pdf) and mail to: Annual Credit Report Request Service, PO Box 105281, Atlanta, GA 30348-5281.
Here’s each credit bureaus address & phone number:
Equifax
P.O. Box 740256
Atlanta, Georgia 30374
1-800-685-1111
Experian
P.O. Box 9532
Allen, Texas 75013
1-888-397-3742
TransUnion
P.O. Box 6790
Fullerton, CA 92834
1-877-322-8228
Secondly, do not use a credit repair service. They charge you loads of money for something you can do yourself for free. They make a lot of empty promises.