Be proactive about your credit situation by annually requesting your credit report from ALL three of the following major credit bureaus:

Equifax Credit Information Services
1-800-685-1111
www.equifax.com

Experian  (TRW)
1-888-397-3742
www.experian.com

Trans Union Corporation
1-800-888-4213
www.transunion.com

You are entitled to a free copy of your credit report IF a company takes adverse action against you, such as denying you credit, insurance or employment.  You must request it within 60 days of receiving the notification from the one credit bureau that provided the information. To obtain your free report, follow the instructions received from the credit grantor in the notice or mention your denial to the credit reporting agency.

In addition, you?re entitled to one free report per year from each of the three credit bureaus IF you certify in writing that one of the following situations applies to you:

• You?re unemployed and plan to look for a job within 60 days
• You?re on welfare, or
• You?re a victim of fraud or suspect you?re a victim of fraud.

Call the above toll-free numbers for the current mailing address for each of the three bureaus, and then mail your request to each.