Activity 16: Get & Understand Your Credit Report
(This activity is also available as a blank, downloadable and printable PDF – Download Blank Activity 16 Worksheet)
Request a copy of your credit report by:
- Going online, www.annualcreditreport.com, and ordering a report; or, by calling 877-322-8228 (toll-free)
- You can also check out some of the new companies for information and a free credit score that you can track over time. Credit Karma works with TransUnion and Equifax; and, Credit Sesame works with TransUnion.
Helpful Tips!
- People who are blind or have low vision may request their free annual credit reports in Braille, large print, or audio format.
- People who are D/deaf and hard of hearing can access the TDD service to request their credit report by calling 7-1-1 and referring the Relay Operator to 1-800-821-7232.
What Should You Do If You Find a Mistake on Your Credit Report?
If you find a mistake on your credit report, contact the credit-reporting bureau that is reporting it and give them details and copies of all supporting documents. They will tell you what documents are needed. Follow-up with the credit agency if you do not receive a satisfactory response within thirty days from the date your letter was mailed. It is also a good idea to contact the other credit reporting bureaus, too.
The three major national credit bureaus are:
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