Updating information on credit reports
The three nationwide credit reporting companies have set up one website, toll-free telephone number, and mailing address through which you can order your free annual report.To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Do not contact the three nationwide credit reporting companies individually.
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You may order your reports from each of the three nationwide credit reporting companies at the same time, or you can order from only one or two.
The FCRA allows you to order one free copy from each of the nationwide credit reporting companies every 12 months.
If the information provider does not give you an address, you can send your letter to any business address for that provider.
If the provider continues to report the item you disputed to a credit reporting company, it must let the credit reporting company know about your dispute.
Send your letter by certified mail, “return receipt requested,” so you can document what the credit reporting company received. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous.