Credit Repair Credit Repair

What Is a Credit Report?

How To Get a Copy of Your Credit Report

To thoroughly repair your credit, you must review a credit report from each of the three major credit bureaus since information will vary between credit reports, as will the credit score provided by each credit bureau. The good news is you are entitled to one free credit report from each of the three credit bureaus each year. You are also entitled to an additional free credit report from each of the credit bureaus if:

  • You were denied credit within the last 60 days
  • You are unemployed and attempting to find employment within the next 60 days
  • You are on welfare
  • You are a victim of fraud or identity theft (and have filed a police report)

You can request your free credit reports via telephone, the Internet (, or snail mail (see the Resource Library for a template). The information you need to provide to verify your identity and qualify to receive your credit report varies from one bureau to the next, but in most cases you will be asked for your:

  • Social security number
  • Creditor information
  • Former addresses (and the dates you lived at each location)
  • Employment history

Following is the contact information for each of the credit bureaus:

Post Office Box 740241
Atlanta, GA 30374
(Their telephone number changes frequently. The current telephone number will be listed on your credit report.)

Post Office Box 2104
Allen, TX 75013-2104

2 Baldwin Place
Post Office Box 1000
Chester, PA 19022

To make obtaining your credit information easier there is also a central source where you can obtain your free annual credit report from all three bureaus:

Annual Credit Report Request Service
Post Office Box 105281
Atlanta, GA 30348-5281
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