It is very important you learn how to manage your Experian credit report since you do not know which credit report a creditor or lender is likely to check. Your Experian credit score depends on the information in your Experian credit report and may be different from your credit scores with the other two bureaus.
Order Your Credit Report
Start by ordering your credit report. This you can do via the following mediums;
- You can order for free from annualcreditreport.com. By Federal law, you are granted one free copy of your Experian credit report each year. You can also order your annual Experian credit report by calling 1-877-322-8228 or by mailing a request form (You’ll need Adobe viewer to open the request form.
- View your Experian credit report through CreditKarma.com as well as at CreditSesame.com. These are free services that do not need a credit card subscription or a trial period.
- You can purchase also your Experian credit report and FICO scores directly from Experian for $19.95. Experian also offers a $1 credit report and credit score via its website if you sign up for a trial subscription for their credit monitoring service. (If you sign up for the trial, ensure you cancel within 7 days before the trial ends to avoid charges for the service).
- Ordering a 3-in-1 credit report from any of the online vendors gets you your Experian credit report as well as your report from the other two major credit bureaus: Equifax and TransUnion.
Experian Credit Report Dispute Errors
If you discover errors on your Experian credit report after you receive it, the Fair Credit Reporting Act gives you the right to have these errors removed through a dispute process.
If you order your Experian credit report online, you’ll be given a link with which you can use to make your dispute.
You can dispute also credit report errors in writing. Just write a credit report dispute letter, highlight the errors on your credit report, and send any supporting documents you have to Experian’s credit report dispute address;
Experian Dispute Department
P.O. Box 9701
Allen, TX 75013.
It is best to send your credit report dispute letter through certified mail, so you have proof of when the letter was mailed. Immediately Experian gets your dispute, it has 30 days to investigate and correct your credit report or send the results of the investigation.
Fight Identity Theft On Reports
For those who have been victims of identity theft, it’s important that they let Experian know so that they can flag their credit report and alert the other two credit bureaus. A fraud alert intimates anyone who pulls your Experian credit report that they should take extra steps to confirm your identity. Fraud alerts generally last 90 days or one year for the active-duty military who are sent overseas.
You can also place a fraud alert on your Experian credit report online, over the phone by calling at 1-888-397-3742, or by mail by writing P.O. Box 9532, Allen, TX 75013.
An Experian credit report/security freeze locks your credit reports and prevents inquiries until you unlock it with a PIN or password. Simply call Experian or visit their website to get detailed instructions on how to freeze your credit report.
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