To obtain copies of your credit report for personal use, contact the agency directly with the information provided.
PO Box 2104 Allen, TX 75013-2104
PO Box 105873 Atlanta, GA 30348
PO Box 390 Springfield, PA 19064
You will be provided a copy of your credit report unless you have been denied credit within the last 60 days. Credit bureaus are required by law to provide you with a FREE copy if you have been denied credit within this time period. Note: you may only obtain a free copy if the creditor sent the inquiry to any particular credit bureau.
Experain, Equifax and TransUnion are three entirely different companies. Different companies report your credit to different credit bureaus. Some report to all three. You need a copy of all three of your credit reports to make sure they are all reporting accurate information about you.