Sunday, April 03, 2005

american consumer credit counseling

Credit bureaus usually are listed in the yellow pages of your telephone
book under "credit reporting agencies." Three large national credit
bureaus supply most credit reports: Equifax, Experian and Trans
Union. You may want to contact each of them for a copy of your

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You're entitled to one free report a year if you can prove that (1)
you're unemployed and plan to look for a job with 60 days, (2) you're
on welfare, or (3) your report is inaccurate because of fraud.
Otherwise, a credit bureau may charge you up to $9.00 for a copy of
your report.

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Do-It-Yourself Check-Up
Even if you don't have a poor credit history, it's a good idea to
conduct your own credit check-up, especially if you're planning a
major purchase, such as a home or car. Checking in advance on the
accuracy of the information in your credit report could speed the
credit-granting process.