A consumer credit disclosure can be ordered from Equifax, TransUnion and Experian for free once a year, and also if you have been turned down for credit, or if certain other things happen.
There are 3 ways to order your consumer disclosure. Phone, mail and internet.
To order by phone, you can call the central source for these files, at 877-322-8228 (877-FACT-ACT). This is a phone call, and the process takes about 10 minutes. This call is to the central source for Equifax, TransUnion and Experian. You will need your name, address, prior address if you have lived there less than 2 years, and your social security number.
To order by mail, you download the form, print it and mail it. The address is Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
We recommend against ordering on the internet, because there are legal issues (which have to do with technicalities in the law) with doing so. If you wish to do so, point your browser to the Annual Credit Report Request Services, and follow the on-screen directions. You should print the file you get. There are free applications available to print your credit file to PDF, so you don’t even have to have paper. We like CutePDF.com, but there are others that work just fine.
You should NOT use FreeCreditReport.com or FreeCreditScore.com.
FreeCreditReport.com and FreeCreditScore.com are sales services for Experian’s ConsumerInfo.com, which sells credit monitoring. Credit monitoring costs $14.95 per month, or $179.40 annually.
Your score is not important to you. Your score is a reflection of your credit file. If your credit file is accurate, then your score will be correct, and anyone who tells you that they can remove accurate information is lying. (There will be another blog post about credit repair organizations). If your credit file is inaccurate, then your score is irrelevant, because it is false information that is being graded.
KCLS LIMITS THE GEOGRAPHY IN WHICH WE TAKE CASES.
YOU MUST BE A VIRGINIA RESIDENT.
If you are not a Virginia Resident, click here to find a lawyer near you.
If you have been impacted by anything we mentioned here, you can make an appointment to see us.
NO FEE IN YOUR FCRA CASE UNLESS WE RECOVER!!
OUR LEGAL FEES:
The rights afforded to you, as a consumer, under the FCRA and the FDCPA means that a corporation or party who has violated your rights may ultimately be made to pay for statutory damages, actual damages, and your legal fees. Therefore, if we agree to represent you in any case, you won’t pay any attorney’s fees unless we are successful and we recover on your behalf. We are here to serve and have assisted many consumers TO enforce their legal rights. Let us try and see if we can help you too. That means you pay no fee in your case unless we recover.
Contact us by e-mail or by telephone or fax or US Mail.
You can call us: 804.592.0792
You can fax us: 804.234.1159
You can contact us by US MAIL:
Krumbein Consumer Legal Services, Inc.
1650 Willow Lawn Drive
Richmond, VA 23230