Q: How do I order a personal credit report without becoming a subscriber?

A: Click on "Select Order Reports" and click on "Consumer / Personal Credit Report."

Q: How do I get access to pull an Employment Screening Report?

A: You must become a Subscriber and complete the Service Agreement and Application.

Q: How do I get the application and subscriber agreement?

A: Click on "Forms/Application" and download the appropriate form.

Q: How do I get access to the other reports?

A: Most report's access require the completion of a subscriber agree and application. Only the consumer report does not require and agreement.

Q: What is a Consumer Report?

A: A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA) – a business that assembles such reports for other businesses.

Q: How do I dispute inaccuracies on my credit report?

A: Get the name, address, and phone number of the CRA that supplied the report. Send a letter to the credit reporting agencies (CRA) that reported the alleged inaccuracies. You must provide correct, valid and relevant information to the CRA. The CRA has 30 days to respond and will investigate your alleged inaccuracies. If the CRA finds inaccuracies they will be removed from your file.

TRANS UNION
2 BALDWIN PLACE
CHESTER, PA 19022
800.888.4213

EXPERIAN
CUSTOMER ASSISTANCE DEPARTMENT
PO BOX 2104
ALLEN, TX 75013-2104
800.422.4879

EQUIFAX
PO BOX 740241
ATLANTA, GA 30374-0241
800.685.1111

Q: Who provide credit reporting information?

A: Experian, Trans Union, and Equifax.

Q: How long does it take to get a copy of your credit report?

A: It may take up to five days depending on how you access your report.

Q: How much does my credit report cost.

A: If you were denied credit within 30 to 60 days your credit report may be free of charge. However, you may have a charge of up to $9.00.