How to Determine Your Credit Status:

Many credit reports contain erroneous information. Rather than waiting to take care of a problem down the road, it is best to make sure now that it’s okay. Identifying and resolving any credit problems to improve your credit rating will provide benefits, such as preferred rates from lenders and home insurers.

Acquiring a copy of your credit report is simple. The Fair Credit Reporting Act allows consumers to obtain one free credit report from each of the three major reporting bureaus every 12 months.

To obtain a report visit: www.annualcreditreport.com - the only authorized source for consumers to access their annual credit report online for free. Or, call 877-322-8228.

The three major credit bureaus:

Equifax
www.equifax.com
Information Service Center
P.O. Box 740241
Atlanta, GA 30374-0241
800-685-1111

Experian (formerly TRW)
National Consumer Assistance Center
www.experian.com
P.O. Box 949
Allen,TX 75013-0949
888-EXPERIAN (888-397-3742)

Trans Union Corporation
www.transunion.com
Customer Disclosure Center
P.O. Box 390
Springfield, PA 19064-0390
800-888-4213