How can I get a copy of my credit report?

Understand your rights regarding your credit report, how to access it, and what to do if you find an error.
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Understand your rights regarding your credit report, how to access it, and what to do if you find an error.
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Today is the day.

It’s past time you had someone in your corner.
Our first consultation is always free.

You have the right to review your credit report at any time, for a fee. Once a year, you can check your credit report from each national credit bureau (Experian, Equifax, and TransUnion) for free, for any reason. If you were turned down for credit, you get the right to review your credit report from the reporting bureau used by the lender for free.

There are a lot of scam sites out there trying to convince you that you need to sign up for a subscription to get a copy of your credit report. The one website that we know to be a legitimate source for free credit reports is annualcreditreport.com

You can also request your credit reports by telephone by calling  877-322-8228 or by submitting the this form and mailing it to:

Annual Credit Report, Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 and they will be mailed to you.

Sometimes there’s an issue.

Occasionally you may find that the online service tells you it could not generate a report, or you might get a letter from a credit reporting agency that it does not have adequate information to create a report. This could be because you have not created a significant credit history for yourself (especially if you are young), but it could also mean that there are errors on your report.

I found an error, or I can’t access my report. What now?

If you’re having problems getting a copy of your report, or if you’ve found an error, an experienced credit report dispute attorney may be able to help you get compensation as a result of the error.

It’s free to chat with me about your options – you can call or text me at 215.551.7109, or drop me a line.

Let's go over how I can help. Our first chat is on me.

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