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You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
You can access someone else's credit report by directly contacting one of the credit bureaus (TransUnion, Equifax, and Experian).
Sample Letter to Request a Credit Report Dear Sir or Madam: I would like to request a copy of my credit report file. I am providing the following information to obtain the report. Please contact me if you have any questions or need additional information.
Experian ? use MSE Credit Club, which offers full access to your Experian credit report for free anytime. Equifax ? use Clearscore*, which provides free access to your Equifax report. TransUnion ? use Credit Karma, which gives you free access to your TransUnion report.
In the case of an adverse action, you're only entitled to order a free credit report from the credit bureau who provided the report used in the creditor's decision. For example, if the lender reviewed your Equifax credit report to process your application, you're only entitled to a free Equifax credit report.
By law, you can get a free credit report each year from the three credit reporting agencies (CRAs). These agencies include Equifax, Experian, and TransUnion.
Contact one of three credit reporting agencies. Three national credit reporting agencies do credit checks on individuals. They are Equifax, Experian and TransUnion. Going through one of these agencies is the only legitimate way to obtain someone's credit report.