A credit report is a report compiled and issued by a consumer reporting agency which lists activity that may affect your credit standing, including your creditors, the amount of your debts, your credit limits, late payments, defaults, charge-offs, repossessions and bankruptcies.
Consumers are entitled to request a free credit report every 12 months from each of the three main credit reporting companies by using
- AnnualCreditReport.com or by calling (877) 322-8228.
Consumers can contact one of the following consumer reporting agencies to correct inaccurate information in their credit file or to obtain other information about their credit history:
- Equifax Credit Information Services - (800) 864-2978
- Experian - (888) 397-3742
- TransUnion - (800) 916-8800
Click here for additional information on how to place a security freeze on your credit report.
If you have a complaint against a credit reporting agency, you may file a complaint with the Consumer Financial Protection Bureau (CFPB).
If you desire a legal opinion or representation relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other legal entities.
CategoryCredit and Debt