As a Georgia resident, you are entitled by the Fair Business Practices Act to two free credit reports from each reporting agency per year. To request the second of your free annual reports, which would be sent to you by mail, contact the three main national credit reporting agencies directly.
You should request both copies to ensure that during the course of the year, no one has stolen your identity.
If you are denied credit on the basis of information in a credit report, you may get a free copy of your report from the credit bureau that supplied the initial report.
If you are the victim of identity theft, you can call any one of the three credit-reporting agencies to request that a fraud alert be placed on all three of your files and a copy of each current report be sent to you.
How to Contact the Credit Bureaus:
Equifax Credit Information Services, Inc.
General inquiries or additional free credit report:
P.O. Box 740241
Atlanta, Georgia 30374
Experian National Consumer Assistance Center
P.O. Box 2002
Allen, Texas 75013
General inquiries: 888-397-3742
Additional free credit report: 866-200-6020
www.experian.com/reportaccess (if denied credit within past 60 days)
TransUnion Consumer Relations
P.O. Box 2000
Chester, Pennsylvania 19022
General inquiries: 800-916-8800
Additional free credit report: 800-888-4213
When requesting a credit report by mail, for the purpose of accurate file-matching please include your full name, current full address including zip code, Social Security number, date of birth, and most recent former address.
The credit bureaus may vary in their method of providing your additional free credit report(s), and the report you receive from one of the bureaus (as well as your credit score) could be different from the others.
Each collects its own data, and they do not necessarily receive the same information from your creditors. It is important to review your credit report from each bureau to ensure that the information is accurate and there is no fraudulent activity attributed to you.
Information on Your Credit Report
Credit bureaus collect many types of information about you. This includes where you live, where you work, how you pay your bills, and whether you have been sued or arrested or have filed for bankruptcy. The four basic types of information collected are:
-Your identification and employment information:
-Social Security number
-Date of birth
-Current and previous addresses
-Current and previous employers
-Payment History: All of the credit accounts, including mortgage, credit card, retail credit cards, bank and finance loans that you have had within the past 10 years appear on your credit report.
The collected information includes:
-Your name and account number
-Date account was opened or closed
-Amount borrowed and amount still owed
-Timeliness of payments
-Inquiries: A list of organizations that have requested your credit report other than you, including lenders within the past year and potential employers within the past two years.
-Public Record Information:
-Judgments, including child support judgments
Most of this information, as well as information on your various credit accounts, will be on your report for seven years. Personal bankruptcies will be reported for 10 years.
No one can remove correct information from your report, even if it is negative. Con artists will tell you that they can remove negative information on your credit report for a fee, but only the passage of time will achieve that result.