The Fair Credit Reporting Act (FCRA) allows the Consumer to obtain a disclosure from every credit reporting agency of the nature of and substance of all information in his or her file at the time of the request. Full disclosure of information in your file at Equifax, Experian or Trans Union must be obtained directly from each credit bureau by calling: Equifax (800-685-1111); Experian (888-397-3742); or Trans Union (800-888-4213).
If you request a report from our website (or links from it), the credit report you are requesting is not intended to constitute the disclosure of Equifax, Experian or Trans Union information required by the FCRA or similar state laws
If you have been rejected for credit, insurance or employment in the past sixty (60) days as a result of your consumer credit report, you are entitled to receive a disclosure of the nature and substance of all information in your file directly from Equifax, Experian or Trans Union free of charge.
The FCRA permits you to dispute inaccurate information in your credit file. Accurate information cannot be changed.
You do not have to purchase services to dispute inaccurate information in the Consumer's Equifax, Experian or Trans Union files or to receive a copy of the Consumer's Equifax, Experian or Trans Union consumer credit report. To dispute information contained in the credit report, the Consumer will contact Equifax, Experian or Trans Union directly; 5) Credit reporting agencies are required by law to give youa copy of your credit record upon request, at no charge or for a nominal fee.