The Fair Credit Reporting Act (FCRA) is designed to help ensure that credit bureaus furnish correct and complete information to businesses to use when evaluating your application.
It is essential to list every creditor by name and mailing address in your petition. You can also obtain a copy of your credit report by contacting one of the three major credit bureaus. They will charge you around $8.50 per report; the report is free if you have been denied credit in the previous 60 days or if you have been the victim of credit fraud.
To order a credit report by mail, provide your full name, including middle initial and Jr., Sr., or any other designation you have used; current address and previous addresses for the last five years; Social Security number; date of birth; spouses’ first name; home phone number, name of current employer and signature. Here is the contact information for each of the three major credit bureaus:
EquifaxP.O. Box 105496 |
TransunionConsumer Disclosure Center |
ExperianExperian, P.O Box 2002 |