How can I find out what I owe and who I owe it to?

You can order your free credit report from each of the three major credit reporting agencies: Experian, TransUnion and Equifax.

Under the current law, you are entitled to a FREE report annually from each agency or in the event you have been declined credit.

You can order your report via the Internet by going to Annual Credit Report by following this link: https://www.annualcreditreport.com/cra/index.jsp

Or by visiting any of the individual sites below:

Experian: http://www.experian.com/
Equifax: http://www.equifax.com/home/en_us
TransUnion https://www.transunion.com/

You can also use these phone numbers to order reports:

Equifax 1-800-685-1111 - you can get a free report if you have been denied credit in the last 60 days. Make sure that you order only the credit report. Mail within 48 hours.
TransUnion 1-800-916-8800 - receive within 6 to 8 business days.
Experian 1-888-397-3742 - receive within 8 to 10 business days.
Caution: If your phone request gets lost, you'll have to write to them anyway. If your letter is after 30 days of being denied credit, employment, or insurance, you might have to pay for the report. It would be a good idea to mention in your letter the date that you requested the report by phone. Your written request should contain proof of your identity and current address, such as your driver's license and a copy of a utility bill.

If, after reviewing your report, you feel there are errors in it, you can send a written dispute to:

Experian
NCAC
P.O. Box 9556
Allen, TX 75013

Equifax Information Services
P.O. BOX 740256
Atlanta, GA 30374

TransUnion
Customer Disclosure Center
Trans Union Consumer Relations
P.O. Box 2000
Chester, PA 19022-2000

When mailing your request, make sure you send all of the information contained here.

General Contact Numbers
Experian
Office in TX: 1-888-397-3742
Business: 1-888-211-0728

Equifax Information Services
Business Line (also has option for Personal): 1-888-202-4025
Office in GA: 1-800-685-1111
Dispute Fax #: 1-888-826-0573
Business: 1-802-304-0364
General: 1-800-797-6801

TransUnion
Office in PA: 1-800-888-4213
1-888-259-6845 (6am-12 pacific time)
1-800-916-8800 (consumer relations)