Our office routinely receives calls and inquiries from consumers wanting to check their credit score. Some consumers mistake the BBB for a credit bureau and others simply want information how to obtain their credit reports. There are three nation-wide credit bureaus Equifax, TransUnion, and Experian which maintain credit information and issues credit scores. Lenders consider these scores when evaluating a candidate applying for a loan as a way to measure risk so it is important for consumers to be aware of what is on their credit report.
According to the Federal Trade Commission (the federal agency in charge of enforcing the Fair Credit Reporting Act or FCRA), the three credit bureaus are required to provide you with a free credit report at your request once a year.
To dispute an error on your credit report, contact the appropriate credit bureau below.
Equifax: 1-800-685-1111; equifax.com
Experian: 1-888-397-3742; experian.com
TransUnion: 1-800-916-8800; transunion.com
For more consumer tips and business reports checkout www.evansville.bbb.org.