I cancelled the credit card,Where can I get a copy of my credit report?
I had an AT&T credit card long ago...I was a bit late paying the money to
them a couple of months... But I cancelled the card since I felt that they
were too aggressive in trying to collect their balance. I used to get
"threatening sounding" letters regarding my balance which wouldn't be more
than $50.
Now however they seem to have given me a bad credit report...and I cannot get
a new credit card even after 3 years.
I tried to get a copy of my credit report from equafax or something...but
they want all sorts of copies of my social security card, drivers license..
whether I am Jr or Sr or Sr I or Sr II etc..
Is there anything I can do to improve my credit history ?. Also Where can
I get a copy of my credit report...without so many problems..
I don't think you can get your credit records without providing all kinds
of verification info. Supposedly it should protect you from other people
pretetnding to be you and getting your record. (In reality, those who need
to get your records in order to commit crime will do it anyway)
If however you were denied credit recently, the credit agency MUST give
you a free report. I did it several times it was not that difficult.
Also, you said that you have bad info on your record for 3 years. If that
it so, you should ask the agency to remove it. I believe (and I may be
wrong) that the negative info (besides bankruptcy) stays on your record
for only two years.
-Here's the web address for Experian (they took over TRW):
http://www.experian.com/index.html
They're offering free credit reports until 3/97. I think they have an
informative website -- lots of FAQs.
If you can't get to their website, here's some more info on them that
I took from their web page:
"Please note: To protect your privacy and the security of your financial
information, Experian does not currently accept
e-mail requests for credit reports. Nor can we handle disputes online.
However, we hope to do so in the near future.
Our toll-free phone numbers:
1 800 682 7654 for information about how to order a copy of your personal
credit report
1 800 301 7195 for victims of credit fraud
1 800 972 0322 for deaf and hearing-impaired consumers
1 800 422 4879 to speak to a consumer assistance representative"
Experian can tell you what information they need to get you a report. I think
you're going to have to provide SSN, names, previous addresses though.