Updated:  June 20, 2008  x
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Request your Credit Report Online

Thanks to the Fair & Accurate Credit Transactions Act of 2004, all consumers are entitled to a free copy of their credit report from all three credit bureaus once a year.

Visit www.annualcreditreport.com to get yours for FREE. (This is for the credit report only. See below for credit score links).

 
 
 
 
     
 
Request your Credit Report by Phone

Call 1-877-322-8228 to request your credit reports by phone. You will go through a simple verification process over the phone. Your reports will be mailed to you.

Request your Credit Report by Mail

You can request your credit report by mail by filling out the request form and mailing it to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta , GA 30348-5281

 
Click for: Sample Experian Credit Report (200K PDF)
 
 
Get Your Credit Score! 
 
There are many different types of credit scoring software's that you can buy your credit score from, but the most widely used credit scoring software is made by Fair Isaac and is the only score that matters when you are getting a loan.

To get a copy of your Fair Isaac "FICO" credit score, visit www.myfico.com and order the same exact credit score your mortgage company uses to determine whether or not you are approved. Requesting your credit score at www.myfico.com is considered a personal inquiry and will not hurt your credit score in any way.

By law, no one can pull your credit or get your credit score for you. You must do both on your own.

 
Credit Restoration    
Credit Links: FCRA http://www.ftc.gov/os/statutes/fcra.htm
  Fact Act Fair and Accurate Credit Transactions (FACT) Act
  FDCPA http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm
     
Three Major Credit Bureaus:   Equifax
    Experian
    Transunion
Other Financial Rescources:   Helpful Tips on Managing Your Finances
    Helpful Tips on Building Your Wealth
 
Articles

"Settling Collections", by Edward Jamison, BrokerBanker Vol. 85, 2005
A Complete Guide Explaining When to or When Not to Settle Collections and Charge-offs Showing on Your Credit Report.

Download Article in PDF  |  Install Adobe Acrobat
 

 
"The FCRA Gets a Face Lift", by Edward Jamison, BrokerBanker Vol. 74, 2004
What Does It Mean To You.

Download Article in PDF  |  Install Adobe Acrobat
 

 
 
     
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INTEGRITY CREDIT RESOLUTION SERVICES, LLC.
3411 Silverside Road, Concord Plaza, Hanby Bldg, Suite 105, Wilmington, DE 19810
Telephone: 888.328.9328  |  Fax: 888.841.8561  |  General Email:  info@integritycrs.com
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