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How To Obtain A Copy Of Your Credit File

Excerpted from the Do-It-Yourself Credit File Correction Guide by Paul Richard and published by the nonprofit
Institute of Consumer Financial Education, (ICFE) San Diego, CA

About Credit Bureau's and Credit Reporting Agencies
What is a Credit Reporting Agency? It's an organization, usually profit-driven, devoted to collecting and reporting credit information to subscribers - mostly area businesses, banks, etc. Think of it as a clearinghouse for information about your personal credit history and debt repayment practices. The major firms cover all fifty states. These agencies are highly computerized and have millions of files and millions of subscribers -mostly businesses - paying a monthly fee for this information reporting service All bureaus DO NOT contain the same data or necessarily all of your credit history.

What is a Credit Bureau? It's a smaller version of a credit reporting agency. Credit Bureaus usually operate within a single state and often cover only one county. Others cover a multi-county area. Some also offer collection services in addition to background reports for potential employers etc.

What is a credit rating and where does it come from? It is the rating given to an individual or business - by a previous lender - as a credit risk, based on past records of debt repayment, financial statements, employment and current financial status. Credit reporting agencies do not rate your credit, only those merchants who extend credit (to you) do the rating.

How do I locate credit bureaus and credit reporting agencies in my area? First check the yellow pages of a local telephone book under Credit Reporting Agencies. If there is more than one listed, chances are you have more than one credit file.

How do I obtain a copy of my credit file from each agency?
Call each one listed and ask for the consumer services department. Inquire about your credit file. They may ask you some personal information such as your social security number, mothers maiden name, etc. in order to access the proper file. If they have a file on you, ask how you go about obtaining a copy. It takes a written request and there is a service fee of up to $8 depending on where you live.

NOTE: Anyone denied credit based on information contained in a credit file must be notified says the Fair Credit Reporting Act. The company which denied you credit will tell you from what agency they obtained your credit report and how you can obtain a copy - free of charge if you request one within a reasonable time after receiving the denial letter. Send a copy of the denial letter with the request.

What is the next step? In about ten days after you request it, your credit file's) will come by return mail. It will include instructions on how to read it and it will contain an explanation of all the symbols and abbreviations used in the report

What if need help? Avoid any type of credit doctor, credit repair firm or service. Do-it-yourself instead. It is easy and inexpensive. Don't pay more than $10 which is the cost of the Do-It-Yourself Credit File Correction Guide.   It has instructions, sample letters to smooth communications with the credit reporting agencies, credit file request forms and a listing of the major credit reporting agencies.

Order Now!!

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  Click Here for On Line Order Form

OR call 619-239-1401 OR send check or money order to:
ICFE Credit Repair Books P.O. Box 34070 San Diego, CA 92163-4070
Postage Rates:  2.00 for first book + 50 cents for each thereafter
California residents add 7.5% sales tax

 

Credit File Request Form
Copy and use this "Credit File Request Form" to request your credit files from the Experian (formerly TRW), Trans Union, Equifax and Check Approval systems that may have a file in your name.  The names and addresses of the major credit bureaus are below the form along with the phone numbers of the Check Approval companies.

Click to Open Credit File Request Form

Use these telephone numbers below to request your credit files, 
if you have been denied credit within 60 days.
 OR IF you are going to pay for the report using a credit card.

 

Increase Your Credit Advantage !!Do-It-Yourself Credit File Correction Guide

The  Do-It-Yourself Credit File Correction Guide takes you through a step by step process of getting your credit files, and explains how to read them. 

You'll find easy to understand explanations on how to obtain your credit files, how they are created and how they are kept current. In addition, you'll find out who else may have a look at your credit and debt repayment history. history. The Do-It-Yourself Credit File Correction Guide will help you to identify what data and other information which may be changed, and what follow up procedures will insure your success. This guide includes a credit file request form, and over 10 sample letters to smooth your communications with the credit reporting agencies in such areas as covering disputes, old information, removing incorrect information, and making other changes and additions (see contents list that follows).

Do-It-Yourself Credit File Correction Guide

Good In All 50 States!

Special Bonus Section:

"Help with the credit puzzle"

Use the guide that libraries, schools. credit and debt counselors, and financial planners use to counsel their clients! The  Do-it-yourself Credit File Correction Guide comes with a money back guarantee.

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Do-It-Yourself Credit File Correction Guide Table Of Contents

Order Now!!

Visa, MasterCard or American Express Accepted

  Click Here for On Line Order Form

OR call 619-239-1401 OR send check or money order to:
ICFE Credit Repair Books P.O. Box 34070 San Diego, CA 92163-4070
Postage Rates:  2.00 for first book + 50 cents for each thereafter
California residents add 7.5% sales tax