Repair Credit Score

How to get your free government credit reports (cont...)

(c) Copyright 2006 by Timothy Thriftwood

So, which websites aren't trying to sell me something?

Even the websites run by the three credit bureaus themselves have products to push on you! TransUnion's website, truecredit.com, offers the best product of the three, a full tri-merge report (showing the data from all three credit bureaus) and scores as well, with warnings and everything... But at a cost of $20 a month, most people feel cheated when they go there to find their free government credit reports, just to be pitched another product.

It is my experience that any time you go online to find anything for free at all, in any industry, there will be sales pages in your way from getting what you're told is free, or at the very least, they ask you to sign up for their mailing lists so that they can at least continue to try to pitch something to you over and over again in the future.

Why should free government credit reports be any different? The trick here is that you don't have to go online to get your credit reports... In this case, it's actually better that you don't!

The no-hassle, absolutely free, without any other sales pitches method to obtaining your credit reports.

Give your monitor a break and pick up the phone. All three major credit bureaus accept requests for free government credit reports by both snail mail and telephone, which they can either mail back to you or in some cases fax to you. Here is the contact information you've been seeking:

Experian

• 1-888-397-3742
• National Consumers Assistance Center
• P.O. Box 2104
• Allen, TX 75013-2104

Equifax

• 1-800-525-6285
• P.O. Box 740241
• Atlanta, GA 30374

TransUnion

• 1-800-916-8800
• Consumer Disclosure Center
• P.O. Box 2000
• Chester, PA 19022