Credit Report Resources
Reading and understanding your credit report can be overwhelming. Experian offers you the opportunity to learn about your credit report with an Experian Credit EducatorSM for a one-time, approx. 35 minute, telephone-based education session at a cost of only $36.95* for valued members. The session includes a review and explanation of your personal credit report and credit score; as well as insight and information for reaching or maintaining a healthy credit profile. Click here to learn more or call 855-531-0732 to schedule your session.
*Price reflected on Experian’s website is $39.95 which is their standard price. Emory Alliance Credit Union members price is $36.95 and will be adjusted at time of session.
Annual Credit Report
AnnualCreditReport.com is the official site where consumers can obtain their free credit report from the three credit reporting agencies, Experian, EquiFax and TransUnion.
Mail: Annual Credit Report Request Services
P O Box 105281
Atlanta, GA 30348-5281
You can obtain a free report from each of the three bureaus once every 12 months. Get them all at once, or stagger your requests throughout the year. Requests made online allow for immediate viewing. While requests made by telephone or mail will take approximately 15 days to process.
The free credit report will not include a credit score. You can obtain, for a fee, reports with scores from any of the credit bureaus listed below:
- Equifax: www.equifax.com or 800.685.1111
- Experian: www.experian.com or 866.200.6020
- TransUnion: www.transunion.com or 800.888.4213
Clearpoint provides confidential budget counseling, community-wide education programs in money management, debt management programs for consumers who are over-extended, as well as comprehensive housing counseling.
www.clearpoint.org or 800.251.2227