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Equifax, Experian and Trans Union handle the bulk of all credit inquiries. A new law, the Fair and Accurate Credit Transaction Act (FACTA) allows you to request a free copy of your credit report from each agency once each year. You can also go to the following address to get a free copy from all 3 and required by FACTA:

AnnualCreditReport.com

AnnualCreditReport.com is a centralized service for consumers to request their annual credit reports. FACTA was created so that you can head off identity theft, and eliminate inaccurate information on your credit report.

Credit Bureaus

  • Equifax
    P.O. Box 740241, Atlanta GA 30374-0241. Ph (800) 685-1111 or (770) 612-3200. For Georgia, Vermont or Massachusetts (800) 548-4548. Maryland (800) 233-7654.

  • Experian (Formerly TRW)
    P.O. Box 949, Allen TX 75013-0949. (888) 397-3742

  • Trans Union Corporation
    Consumer Disclosure Center, P.O. Box 390, Springfield PA 19064-0390.
    (800) 916-8800
    (800) 682-7654, (714) 680-7292.

For more credit related articles, click on the links below:

[ Credit Main | Debt Collection Act | Equal Credit Opportunity | Credit Billing Act | Credit Repair ]
[ Credit Bureau |
Credit Reporting ]

Here are some of the topics covered in the library. New information added constantly, so check back often.

Credit Cards

Money Matters

Consumer Rights

Financial Tools

Budgeting & Saving Money

Other Financial Information

 

Payday Loan
Benefits

 
  • Avoid over draft charges
  • Avoid bad credit marks
  • Avoid bounced checks 
  • Avoid pawning personal property
  • Avoid asking family for money
  • Avoid asking the boss for an advance
  • Avoid service disruption
  • Avoid reconnection charges

 

 

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