Pursuant to the Federal Trade Commission (FTC) rules, all individuals in the United States are entitled to one free credit report each year from each of the three credit reporting agencies, Equifax, Experian, and TransUnion. The ONLY WAY to get your actual, true free credit reports is from www.annualcreditreport.com
If you are contemplating a bankruptcy filing, it is, in our opinion, acceptable to get your credit reports directly from the website, www.annualcreditreport.com. If, however, you need credit reports for any other purpose and, most importantly, if you are contesting something you think should not be in your credit report, DO NOT get the credit reports online at this site. What you need to do is to get the mail-in form from www.annualcreditreport.com and fill it out and physically mail it in to the Atlanta address on the form itself. Click here for a copy of the form for you to print out, fill out and mail in. For credit report disputes, it is very important that you do not agree to any type of binding arbitration which may preclude you from filing a lawsuit if your credit reports are damaged through no fault of your own. As a result, it is advisable to get your credit reports this way only if you believe you will have to dispute your credit report. As a general rule, for bankruptcy purposes, getting all three reports online, again, is acceptable and it is probably the quickest way for you to get them. Please note that sometimes when you mail in the form for the request, you may be told by that website that it cannot verify that you are who you say you are. As a result, when you mail the form in, you may want to include a utility bill or a phone bill or some type of bill that ties you to the address where you state that you reside.
Please feel free to contact any of our offices nearest to you if you have questions with regard to your credit reports in bankruptcy and/or disputing something that is in your credit report.
Ron Sykstus is a Managing Partner of several of the Bond & Botes Law Offices throughout Alabama. He holds a Bachelor of Science from the University of Arizona, Tucson, and a Juris Doctorate from the Northern Illinois University College of Law. Ron has served in numerous positions throughout the U.S. Army and now utilizes his expertise in the areas of VA issues, security clearances, military law, and bankruptcy to assist his clients when they need it most. Read his full bio here.