Credit Report Agencies

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Equifax To order your report, call: 1-800-685-1111 or write: P.O. Box 740241, Atlanta, GA 30374-0241 To report fraud, call: 1-800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241

Experian To order your report, call: 1-888-EXPERIAN (397-3742) or write: P.O. Box 2104, Allen TX 75013 To report fraud, call: 1-888-EXPERIAN (397-3742) and write: P.O. Box 9532, Allen TX 75013

TransUnion To order your report, call: 800-916-8800 or write: P.O. Box 1000, Chester, PA 19022.

To report fraud, call: 1-800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834

Many states now allow you to put a credit "freeze" on your report. You can also "opt out" of all those junk mail letters for a credit card.

Your Credit Score What is it and why is it important to know your credit score before applying for a loan.

Steven and the Collection Agency Grinch Have you received a "friendly" letter from a credit collection agency offering to "help" you repair your credit. Before you reply read Steven's story.

Are you being harassed by creditors? Need to know how to protect yourself and the law regarding collections? This is the link to the Federal Fair Debt Collection Practices Act. Many states also have local regulations. Check with your state consumer affairs bureau. They are usually located in the Office of the State Attorney General and have a link on your state's homepage.

Fair Debt Collection Practices Act

If there is a problem with your credit report, the first thing to do is to file a dispute with the credit reporting agencies. If you are being called by a collection agency, do not talk to them over the phone. Everything needs to be in writing. The following link has some suggested letters that you may find helpful.

Sample Letters to Creditors And Credit Collection Agencies

They Say I'm Not Me How to protect yourself from identity theft and the steps to take if you do become a victim.

Sometimes, when all else fails, you will need the assistance of an affordable attorney to help you get everything straightened out, especially if you are the victim of identity theft. Don't rely on the yellow pages or a TV ad. We can show you the best and cheapest way to access the legal system. Simply fill in the form below and an associate will contact you.