PERSONAL CREDIT
RESOURCES
Legal rights under the Fair Credit Reporting Act.
Fair Credit Reporting Act (FCRA)-The FCRA is a federal law regulating how consumer reporting agencies collect, use, and share credit information. It protects consumers’ rights regarding access to their credit data and ensures accuracy and privacy in credit reporting. Key points include: Consumers have the right to access their credit reports annually for free. Credit reporting agencies must correct inaccurate or incomplete information.
How to request credit freezes with Experian, Equifax, and TransUnion
To protect against identity theft or unauthorized credit inquiries, consumers can place a freeze on their credit reports. The freeze stops lenders from accessing credit reports without permission. Here are the key addresses to request credit freezes from the three major credit bureaus
Credit Bureau -Address for Credit Freeze Request
EQUIFAX: 1-800-525-6285 WWW.EQUIFAX.COM
EXPERIAN; 1-888-397-3742 WWW.EXPERIAN.COM
TRANSUNION; 1-800-680-7289 WWW.TRANSUNION.COM
Equifax Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348-5788
Experian | Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
TransUnion TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Freezing credit reports is an effective way to limit access to your credit information
Credit Bureau -Address for Credit Freeze Request
EQUIFAX: 1-800-525-6285 WWW.EQUIFAX.COM
EXPERIAN; 1-888-397-3742 WWW.EXPERIAN.COM
TRANSUNION; 1-800-680-7289 WWW.TRANSUNION.COM
Equifax Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348-5788
Experian | Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
TransUnion TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Freezing credit reports is an effective way to limit access to your credit information
