Your Experian credit report is one of the three most important credit reports that you. Because different lenders might use credit reports from different credit bureaus it is wise to check and maintain your credit report with all the three national credit bureaus.
The first step in managing Experian credit report is to learn how to order it.
How to order your Experian credit report
You can order one personal Experian credit report from www.annualcreditreport.com for free. You can do this once in 12 months.
You can also get your free Experian credit report by calling 1-877-322-8228 or by mailing in a request form.
The address to which the request form must be sent Is :
Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
However, for the time that you need to purchase your Experian credit report, you can do it directly from the credit bureau. An Experian credit report will cost you $10.
Experian also offers subscriptions to their credit monitoring service which allows you to gain access to your free credit report and credit score through their website. You may try out a 7 to 14 days trial offer if you are interested in this service.
You can also consider one of the ‘three-in-one’ credit report offers that are commonly found with several online vendors as well as the credit bureaus. The 3-in-1 credit report allows you to see your credit report from all the three credit bureaus simultaneously, in one place and for one subscription fee.
Disputing Errors on Experian Credit Report
As with the credit report from any of the credit bureau you may find that your Experian credit report also contains errors. These errors can be a result of inaccurate reporting on mistakes made by lenders or due to an error in transcription during the time of recording information on your credit.
However the federal law provides every consumer has the right to dispute inaccurate information on their credit report. Disputing errors on the experience report is easy when you order your own personal copy online.
When you access your credit report online, you are instantly provided with a special link which you can click to dispute any errors. Their website also has a section that allows you to file disputes in case you have a recent personal copy of your credit report. You can also file a credit report dispute in writing a sending them a dispute letter.It is a good idea to send a copy of your credit report to experience where the errors in the credit report have been highlighted by you.
You should send any supporting documents you have to Experian for the purpose of disputing the errors. The address for sending the credit report dispute letter to Experian is:
Experian Dispute Department P.O. Box 9701
Allen, TX 75013
Fighting Identity Theft on Experian Credit Reports
If you have been a victim of identity theft you should let Experian know about it must that you can have your credit reports flagged to prevent further ac incident. A fraud alert can notify anyone who pulls your report with the purpose of a credit approval process that the credit report has been flagged and they should take additional security measures to verify the identity of the person who is applying for credit.
You can place a fraud alert on your Experian credit report online, over the phone by calling 18883973742 or by sending in a letter by mail to P.O. Box 9532, Allen, Texas 75013
you can place a security freeze on your Experian credit report which will prevent anybody from viewing your credit report without your unlocking it first. No new lenders will be able to access your credit report unless you unlock it with in number on the password that will be provided to you during the time of putting a security freeze will stop you can visit the experience credit freeze page to get detailed instructions are freezing and increasing your credit report must a.
Check Your Experian Credit Score
Unfortunately Exparian does not allow consumers to access their FICO score. The credit score that you get from Experian is the Vantage Score.
The thing to know about credit scores is that regardless of what credit score you view, FICO or VantageScore, if one of your major scores is good, the other is likely to be in the same state. The only difference may be in the actual number of the score as different credit scores use different grading systems.
You can order your VantageScore credit score from Experian by visiting their website www.experian