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To purchase your Experian Personal Credit Report:

Log on to www.experian.com, and enter all of the requested information to receive your personal credit report online within minutes. Payment may be made using VISA, MasterCard, Discover or American Express. Call 1 888 EXPERIAN (1 888 397 3742). Enter your numeric identification information as prompted, using your touch-tone telephone keypad, and purchase your report using your VISA, MasterCard, Discover or American Express. If your request is successful, you will be given a confirmation number, and should receive your report within ten business days. If not, you will be prompted to write for your report. To pay by check or money order, send your full name, including middle initial and generation such as SR, JR, II, etc.; current mailing address; Social Security number; date of birth; previous addresses for the past two years; and two proofs of your current mailing address, such as driver’s license, utility bill, bank or insurance statement, etc. Send the information to PO Box 2104, Allen, TX 75013. Once we receive your information, you should receive your personal credit report within ten business days.

To order an Experian Personal Credit Report if denied credit, employment or insurance:

Log on to www.experian.com/reportaccess and enter the name of the business that declined you and the date of the declination. Call 1 888 EXPERIAN (1 888 397 3742), and select the option for consumers who have been declined. Enter your numeric identification information as prompted, using your touch-tone telephone keypad. If the request is successful, you will be given a confirmation number and should receive your report within ten business days. If not, you will be prompted to write for your report. Send your full name, including middle initial and generation such as SR, JR, II, etc.; current mailing address; Social Security number; date of birth; previous addresses for the past two years; and two proofs of your current mailing address, such as driver’s license, utility bill, bank or insurance statement, etc. Send the information to PO Box 2002, Allen, TX 75013. Once we receive your information, you should receive your report within ten business days.

To order an Experian Personal Credit Report if unemployed or on welfare:

If you are unemployed and seeking employment within 60 days or are on public welfare assistance, please send a letter certifying that one of these situations applies to you, plus your full name, including middle initial and generation such as SR, JR, II, etc.; current mailing address; Social Security number; date of birth; previous addresses for the past two years; and two proofs of your current mailing address, such as driver’s license, utility bill, bank or insurance statement, etc. Send the information to PO Box 9530, Allen, TX 75013. Once we receive your information, you should receive your report within ten business days.

To order a free annual credit report due to the FACT Act:

Log on to www.annualcreditreport.com or call 1 877 322 8228 to check for eligibility based on geographic roll out. Annual credit report request forms for requesting by mail are available at www.annualcreditreport.com, or write to P.O. Box 105281, Atlanta, GA 30348-5281. (Consumers will continue to contact the NCAC directly to request their free reports based on State law, which are in addition to their free annual report due to the FACT Act.)

To add an Initial Security Alert to your file:

Log on to www.experian.com and select the links Preventing Fraud section or call 1 888 EXPERIAN (1 888 397 3742) and select the option for fraud assistance. You will be asked for all identification information and an initial security alert will be added to your credit file. Your name and address will be removed from prescreen mailing lists for six months. As a convenience to you, we will share your request with Equifax and TransUnion. You will receive confirmation directly from them.

To add a Security Freeze to your file, California and Texas residents only:

Send a copy of a valid police or investigative report, complaint or $10 (California residents only) and your full name, including middle initial and generation such as SR, JR, II, etc.; current mailing address; Social Security number; date of birth; previous addresses for the past two years; and two proofs of your current mailing address, such as driver’s license, utility bill, bank or insurance statement, etc. via certified mail to P.O. Box 9554, Allen, TX, 75013. This will prohibit Experian from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account. However, using a security freeze may delay the timely approval of applications for loans, insurance, employment or credit.

To dispute:

Once you have your report, log on to www.experian.com/disputes to request an investigation or contact us at the phone number or address that displays on your personal credit report.

To request an Experian PLUS Score:

Log on to www.experian.com or call 1 888 322 5583 to request a copy of your Experian Credit Score report for a fee of $6, payable by VISA, MasterCard, Discover or American Express.

To opt out of preapproved credit offers:

Call 1 888 5OPT OUT (1 888 567 8688) and enter the requested information, or write to us at P.O. Box 919, Allen, TX 75013.

To opt out of Individual Reference Services and Experian direct marketing lists:

Call 1 402 458 5247, or write to Experian, 901 W. Bond, Lincoln, NE 68521, Attn: Consumer Services Department.

To opt out of all direct marketing lists:

Write to Direct Marketing Association, Mail Preference Service, PO Box 1559, Carmel, NY 10512, and Direct Marketing Association, Telephone Preference Service, PO Box 1559, Carmel, NY 10512.

To request credit advice or consumer credit education materials:

For credit advice, visit Experian’s Ask Max column at www.experian.com. Call 1 800 947 7990 for information about available Experian consumer education materials and how to request them.

Published August 17, 2010
This entry was posted in Credit.

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