Form 73: Request for Credit Report

• Jurisdiction: United States

Form 73: Request for Credit Report

If you want to repair your credit, establish credit, or apply for a loan, your first step is to get a copy of your credit report. This is a file maintained by credit reporting agencies that sell information to banks, lenders, landlords, and others who routinely evaluate customers' creditworthiness. Credit reports contain personal information about you, including your current and past use of credit cards; loans (home, car, student, and the like); any defaults on bills, such as utility payments or doctor's bills; public records, such as lawsuits; and inquiries by creditors.

The federal Fair Credit Reporting Act (FCRA) now requires each major national credit reporting agency—Equifax, Experian, and TransUnion—to provide you one free copy of your credit report each year.

You can request your free report by one of these means:

• Telephone—77-322-8228
• Internet—www.annualcreditreport.com
• Mail—Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281

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