How to Obtain Your Credit Report
We cannot obtain your report
directly but will help you obtain
your reports if you request. Please
provide us a report(s) without
delay.
If you were referred to us by
your mortgage broker, they should be
able to provide one to us.
The Fair Credit Reporting Act (FCRA)
requires each of the three
nationwide consumer reporting
companies - Equifax, Experian, and
TransUnion to provide you with a
FREE copy of your credit report, at
your request, once every 12 months.
Paid or Free Report - the
differences?
Please note that the government
mandated reports are FREE but your
SCORE is not. There is no service
that provides a free score to
consumers. If you want your score
along with the free report the price
is the same as using a paid service.
If you want your beginning score
we recommend you select a paid
service as their reports are easier
to access and understand. Visit
www.annualcreditreport.com online to
request. If you do not have internet
access you can access your free
report by:
To Request your Credit Report by
Phone
Call 1-877-322-8228
You will go through a simple
verification process over the phone.
Your reports will be mailed to you
within 15 days. Please, allow 2-3
weeks for delivery.
Online -
www.annualcreditreport.com
Under the Fair Credit Reporting Act
(FCRA), you may be entitled to
receive a free copy of your personal
credit report if you have received
notice within the past 60 days that
you have been declined credit,
employment or housing, or if adverse
action has been taken against you
based on information contained on
your credit report.
Experian -
www.experian.com
Mail request to: P.O. Box 2002,
Allen, TX 75013
Or call toll-free (888) Experian
(888-397-3742)
Equifax - www.equifax.com
Mail request to: Equifax Information
Services, Disclosure Dept.,
P.O. Box 740241, Atlanta, GA 30374
Or call toll-free (800) 685-1111
TransUnion - www.transunion.com
Mail request to: 2 Baldwin Place,
P.O. Box 2000, Chester, PA 19022
Or call toll-free (800) 888-4213
