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You've seen ads for a free credit report. But do you qualify?

Under the Fair Credit Reporting Act you may be entitled to a free credit report, but only if you meet the following criteria:

  • You've been denied credit, insurance or a job in the last 60 days

  • You are unemployed

If you answered "yes" to either to one or both of these, see below for bureau addresses to get your free report.

If you answered "no," it is still vitally important to check your reports. Inaccuracies in your reports can delay your apartment (and other) applications if you aren't denied altogether!

The companies below offer various packages to check your credit
and other personal information. They do charge fees for their services.
Please check out their different packages and select the one that best fits your needs.
Get Equifax Score Power
The 3 reporting agenices are:
(Formerly TRW)
Phone: 1-888-EXPERIAN

P.O. Box 105873
Atlanta, GA 30348
Phone: 1-800-685-1111
Fax: 770-612-2575
Trans Union Corporation
Consumer Relations Center
P.O. Box 390
Springfield, PA 19064
Phone: 1-800-916-8800
Under Massachusetts Law, you are entitled to 1 free credit report per year from Experian, Equifax and Trans Union Corporation

If you have creditors chasing you for money you owe,
please read Fair Debt Collection Practices Act

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