Credit Reports | Attorney General - State of Colorado

Credit Reports

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

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:

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.