Consumer Credit Info...

Know Your RIGHTS!

If you live in one of the following states, the FIRST copy of your Credit Report is FREE:

• You have the right to obtain a copy of your credit report at any time. 
• You have the right to obtain all the information in your credit report, including the source of the information.
• You have the right to obtain the name of anyone who received your credit report in the last six months.
• You have the right to dispute the completeness or accuracy of information in your report.
• You have the right to add a summary explanation to your credit report if the problem is not resolved to your satisfaction.
• The current fee to obtain a credit report in most states is $8.00  (some states vary, contact the credit bureau agency).  Those who are on welfare or unemployed may be able to receive their credit report for a reduced fee. 
• You may obtain a free credit report if you have been denied credit within the last 60 days.  To receive the free report, send your request along with a copy of the letter denying credit to the agency that the creditor used in deciding whether to grant credit to you. 
• If you are married, you may want to request both individuals’ credit reports.  If you have joint accounts, the payment history should be reported to both credit reports. 
• Requesting your credit report is easier than ever with today’s technology.  You have the choices of phone, fax, internet, and mail.  Your report should arrive in the mail within 8-10 days of receipt of your request.
• Consumer Debt Management Northeast, Inc. (CDMN) suggests that you review your credit report every year for incomplete or incorrect information. 
• It is also beneficial to review your credit report 60-90 days before a major purchase in order to assist the credit-granting process. 

Trans Union

Mail to:  Trans Union, LLC.  Consumer Disclosure Center

P.O.  Box 390

Springfield, PA 19064-0390

Telephone: 800-916-8800 or 800-888-4213

Online: www.transunion.com/index.jsp

Equifax

Mail to:  Equifax Information Service Center

P.O.  Box 740241

Atlanta, GA 30374-0241

Telephone:  800-685-1111 or 800-997-2493

Online:  www.equifax.com

Experian

Mail to:  Experian National Consumer Assistance Center

P.O.  Box 2002

Allen, TX 75013-2002

Telephone:  800-682-7654 or 888-397-3742

Online:  www.experian.com

Provide the following to obtain a credit report:

• Full name (including Jr., Sr., III).

• Date of birth and spouse’s date of birth.

• Social Security number (SSN) and spouse’s SSN.

• Complete current and previous addresses for the last 5 years.

• Daytime phone number with area code.

• Photocopy of letter from creditor denying credit (if applicable).

• Photocopy of driver’s license or other picture ID.

• A current billing statement.

• Other documents showing your name and address.

To learn more about Credit Counseling and Debt Management-

Visit the Federal Trade Commission at:

http://www.ftc.gov