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Finding Out About Your Credit Rating
The Fair Credit Reporting Act gives you the right to know what your credit file contains and the right to get a copy of your credit report. Here are the three major national credit reporting agencies that maintain information from creditors about consumer debt:
Equifax
P.O. Box 105873
Atlanta, GA 30348
(800) 685-1111 (to request reports)
(800) 556-4711 (to opt out)
(800) 525-6285 (to report fraud)
Experian (formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
(800) 682-7654 (to request reports)
(800) 353-0809 (to opt out)
(800) 301-7195 (to report fraud)
Trans Union
P.O. Box 390
Springfield, PA 19064-0390
(800) 916-8800 (to request reports)
(800) 680-7293 (to opt out)
(800) 680-7289 (to report fraud)
If you have been turned down for credit within the last 60 days, you are entitled to a free credit report from all three credit bureaus. If not, reports usually cost $8.
The AFSCME Advantage Program has pamphlets on the following topics:
- How to Get Your First Credit Card
- Your Credit Report: How to Get It, Understand It, and Fix Mistakes
- Strategies for Rebuilding Your Credit
They may be ordered from:
AFSCME Advantage Program
1625 L Street, N.W.
Washington, D.C. 20036-5687
(800) 238-2539
For more information on issues of special concern to women contact:
AFSCME Women's Rights Department
1625 L Street, N.W.
Washington, D.C. 20036-5687
(202) 429-5090
email: womensrights@afscme.org
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