Checking Your Report

You should make sure the information in your credit report is correct. Not only is your credit score based on this information, but lenders also review this information in making credit decisions. Review your credit report from each credit reporting agency at least once a year and especially before making a large purchase, like a house or car. To request a copy, contact the credit reporting agencies directly:

• Equifax: (800) 685-1111, www.equifax.com
• Experian (formerly TRW): (888) 397-3742, www.experian.com
• TransUnion: (800) 888-4213, www.transunion.com

If you find an error, the credit reporting agency must investigate and respond to you within 30 days. If you are in the process of applying for a loan, immediately notify your lender of any incorrect information in your report. Your lender will need to reorder your credit report and score once any changes have been made to your information at the credit reporting agency. Small errors may have little or no effect on your score. If there are significant errors, however, the lender may disregard the score.

Note: only the credit reporting agencies have the data from which FICO® scores are calculated. Fair Isaac can’t correct data at the credit reporting agencies.