Consumer Law, Insurance Company Bad Faith, Fair Credit Reporting,
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Pulling Your Credit Reports

Obtain Your Equifax, Experian and Trans Union Credit Reports

You should pull your credit reports from each of the Big Three credit bureaus– Equifax, Experian, and Transunion– once every 12 months. Most consumers, including those in Colorado, are entitled to one free credit report per year from each of the Big Three. Georgia residents, however, have a legal right to obtain two free credit reports per year from each of the Big Three. You can either contact the credit bureaus directly via the contact information listed below. Alternatively, go to, or call 1-877-322-8228 to simultaneously pull your credit reports from all three credit bureaus.

Although there are a few smaller regional credit reporting agencies scattered around the country, the Big Three dominate the credit reporting marketplace. Therefore, all efforts to correct errors in your credit reports should be focused exclusively on Equifax, Experian and TransUnion.

Credit reporting agencies:

Equifax has its corporate headquarters in a diabolical office building on Peachtree Street in the fancy, highfalutin, high rent Buckhead district of Atlanta. But don’t mail anything to the Buckhead address. Use the addresses below instead:
P.O. Box 740241
Atlanta, GA 30374
To report fraud: Call 800-525-6285 and write to address above
To order credit report: 800-685-1111
(free copies only obtained by mail)

Experian (formerly TRW)
701 Experian Parkway Allen TX 75013
To report fraud: Call 888-397-3742 and write to address above.
Fax: 800-301-7196
To order credit report: 866-200-6020
(free copies only obtained by mail)

P.O. Box 6790
Fullerton, CA 92834
1561 E. Orangethorpe Avenue Fullerton, CA 92831
P.O. Box 390, Springfield PA 19064-0390
To report fraud: 800-680-7289 and write to address above.
To order credit report: 800-888-4213 or 1-800-916-8800
(free copies only obtained by mail)

Click here to see a video produced by the U.S. Department of Treasury explaining how to pull your free credit reports. The video is short and does contain some helpful information. Credit Report Video

You are also entitled to a free credit report if:
  • a person has taken adverse action against you because of information in your credit report;
  • you are the victim of identify theft and place a fraud alert in your file;
  • your file contains inaccurate information as a result of fraud;
  • you are on public assistance;
  • you are unemployed but expect to apply for employment within 60 days.
Credit Scores - You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. Credit scores are numerical summaries of your credit-worthiness, at a given point in time, based on information in your credit reports. In some mortgage transactions, you will receive credit score information for free from the mortgage lender. Because your credit scores are calculated by analyzing the information in your credit reports, it is important to make sure that your credit reports contain only accurate information.