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| Credit Bureau | Online | Phone | |
| EQUIFAX: | Available | Equifax Credit Information Services, Inc. PO Box 740241 Atlanta, GA 30374 |
1.800.685.1111 |
| TRANSUNION: | Available | TransUnionConsumer Disclosure Center P.O. Box 1000 Chester, PA 19022 |
1.800.916.8800 |
| EXPERIAN: | Available | Experian National Consumer Assistance P.O. Box 2104 Allen, TX 75013 |
1.888.397.3742 |
| annualcreditreport.com to order your FREE annual credit report from all 3 bureaus |
Available | Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281 download form to use |
1.877.322.8228 |
| INNOVIS: strictly sells marketing lists to creditors |
Available | Innovis Consumer Assistance P.O. Box 1358 Columbus, OH 43216-1358 |
1.800.540.2505 |
| Credit Bureau | Online | Phone | |
| EQUIFAX: | Available | Equifax Canada Inc. Consumer Relations Department Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 |
1.800.465.7166 |
| TRANSUNION: Provinces Other Than Quebec |
Available | TransUnion P.O. Box338, LCD1 Hamilton, Ontario L8L 7W2 |
1.800.663.9980 |
| TRANSUNION: For Quebec Residents |
Available | TransUnion 1 Place Laval Ouest Suite 370 Laval, Quebec H7N 1A1 |
1.877.713.3393 |
| Northern Credit Bureaus, Inc: | Available | Northern Credit Bureaus, Inc 336 Rideau Boulevard Rouyn - Noranda QC J9X 1P2 |
N/A |
| Credit Bureau | Online | Phone | ||
| EQUIFAX: | Available | Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374 |
N/A | N/A |
| TRANSUNION: | Available | By Mail | 800-916-8800 Monday through Friday, 8:30 a.m. to 4:30 p.m. |
N/A |
| EXPERIAN: | Available | Experian National Consumer Assistance P.O. Box 2104 Allen, TX 75013 |
N/A | N/A |
| Credit Bureau | Online | Phone | ||
| EQUIFAX: | N/A | Equifax Canada Inc. Consumer Relations Department Box 190 Jean Talon Station Montreal, Quebec H1S 2Z2 |
1 800 465 7166 8:00am and 5:00pm ET |
Available |
| TRANSUNION: Provinces Other Than Quebec |
Available | TransUnion P.O. Box338, LCD1 Hamilton, Ontario L8L 7W2 |
N/A | N/A |
| TRANSUNION: For Quebec Residents |
Available | TransUnion 1 Place Laval Ouest Suite 370 Laval, Quebec H7N 1A1 |
N/A | N/A |
YOUR RIGHTS
The Fair Credit Reporting Act - As Amended 2003 (PDF File)
The Consumer Credit Protection Act (HTML)
State Consumer Protection Offices (HTML)
Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) (HTML)
Canadian Provincial Credit Reporting Act links (HTML)
OPT OUT OF MARKETING LISTS
In the US: To “opt out” of the selling of your information for marketing purposes by the Credit Bureaus: (1) go to www.optoutprescreen.com, (2) call 888.5OPTOUT (888.567.8688) , or (3) write each Credit Bureau using the Letter to Opt Out of Personal Information Release provided in the Sample Letter Index. To remove your name from mailing and telephone lists obtained from other sources, you may want to contact the Direct Marketing Association.
In Canada:To remove your name from mailing and telephone lists, contact the Canadian Marketing Association.
From Arin’s Attic: Free Credit Repair:
DOWNLOAD Sample Letters (PDF Version)
Collection Sample Letters for Credit Repair in one file.
DOWNLOAD the Arin’s Attic: Credit Repair Correspondence Tracker
A very simple spreadsheet designed to help you track your correspondence.
DOWNLOAD the Arin’s Attic: Simple Monthly Budget
A simple monthly budget to help you stay on track and make sure that your bills are paid ON TIME!
PUBLICATIONS
From myFico.com:
Your Credit Scores (PDF File)
Developed jointly by Fair Isaac and Consumer Federation of America, this pamphlet provides a brief but complete overview of credit scoring, including factors that influence credit scores, where you can obtain your scores and tips on improving them.
Understanding Your FICO Score (PDF File)
This booklet provides a thorough description of credit scoring, including ways credit scoring can help you, the relationship between your credit report and your credit score, what a FICO® score considers, and interpreting your score.
From The Financial Consumer Agency of Canada:
Understanding Your Credit Report and Credit Score (PDF File | HTML version)
This publication provides key information on how to obtain and understand your credit report and score, as well as what to do if you find errors on your credit report.
Playing it Safe (PDF File)
How to Protect Your Credit Card and Credit History
From Equifax, Canada:
Sample Consumer Credit Report (PDF File)
Description of a Consumer Credit Report (PDF File)
Credit Report Request Form (PDF File)
Consumer Credit Report Update Form (PDF File)
Survey of Consumer Finances
Feds Cut Interest Rate
Homes Facing Foreclosures Doubles
Credit Freeze Laws, Effective Nov 1st
New Study on Identity Theft
in debt we trust
Free Annual Credit Reports!
News By Month
November 2007
October 2007
November 2006
October 2006
April 2005
February 2005
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