Oregon Renters' Handbook - OSPIRG

Appendix C Credit AgenciesAnnual Credit ReportsThe Fair Credit Reporting Actrequires each of the nationwideconsumer reporting companies –Equifax, Experian, and TransUnion– to provide you with afree copy of your credit report,at your request, once every 12months. The three companieshave set up one central website,toll-free telephone number, andmailing address through whichyou can order your free creditreport. Beware of other websitesthat advertise free creditreports or free credit scores,many of them actually requireyou to sign up for an expensivemonthly “credit monitoring”service. You may also contactthe individual credit reportingagencies to request a free creditreport if the information thereinwas used to deny you housing.To Order Your Free AnnualCredit Report www.annualcreditreport.com Credit Report Request Form to:Annual Credit ReportRequest ServiceP.O. Box 105281Atlanta, GA 30348-5281If you want to mail in yourAnnual Credit Report Requestform, you can find one at:http://www.ftc.gov/bcp/conline/include/requestformfinal.pdfContact information for individualcredit reporting agencies:Equifax:1-877-576-5734www.equifax.comExperian:1-888-397-3742www.experian.com/fraudTransUnion:1-800-680-7289www.transunion.comwww.ospirgstudents.orgOSPIRG85