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How do I get a copy of my Credit Report?

You have the right to know what your credit report says. There are 3 major credit reporting companies that creditors use. They are called credit reporting ‘bureaus’. You have the right to one free credit report from each bureau, every year. It is a good idea to get a copy of your credit report every year to make sure your report is correct.

If you apply for credit and the company says ‘No’, you have the right to another free credit report. If a company denies your application for credit, ask the credit bureaus for a copy of your credit report. If you already got your free report this year, you have 60 days after the denial to get another copy for free (M.G.L. c. 93, § 59).

You can write to each credit bureau yourself. Or, you can fill out one form and get your free credit report from each of the 3 credit bureaus.

Warning

Many websites offer you copies of your credit report for a fee. You have the right to one free copy of your credit report, from each credit bureau, every year. Only pay for your credit report if you have a reason to buy the report.

Credit Reporting Bureaus

Experian
P.O. Box 2104
Allen, TX 75013-2104
(888) 397-3742
To Report Fraud:
(888) 397-3742

Trans Union
P.O. Box 1000
Chester, PA 19022
(800) 888-4213
To Report Fraud:
(800) 680-7289

Equifax
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111
To Report Fraud:
(800) 525-6285

Produced by Mariah Jennings-Rampsi, South Coastal Counties Legal Services, with funding from American College of Bankruptcy
Created June 2012

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