How To Get a Copy of Your Credit Card Report

Knowing your credit card report is very important.  It gives you the information that you need just in case you want to apply for a loan. Your credit card report comes with your credit card score.  Lenders use this score to calculate their risk in approving your loan.  The best credit score would be 800 points.  Any score less than 620 will make the chances of your loans being approved pretty slim.  A score of less than 500 will generally mean that you will not be able to pay even the first monthly payment of the loan.  Having this information, you can now have the power to make your next moves to your advantage.

Not only that, having your credit card report will also give you information about your credit card payments.  It may happen that your credit card report will show delinquent payments when in fact you are so sure that your payments are updated.  It also has a public records section where you will know if the tax office has levied tax liens, bankruptcies, and other misjudgments against you.  You will also get a glimpse if there may be any other accounts linked to you that you do not own.  Just in case you find errors, you can have the time to report them as soon as possible.

There are three major credit bureaus in the United States where you can obtain a copy of your credit card report.  These major credit card bureaus are:

Equifax, Inc.
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111

Experian National Consumer Assistance
P.O. Box 2104 Allen,
TX 75013-2104
(888) 397-3742

Trans Union LLC Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800) 888-4213

You will need to provide information about your full name, prior names (if any), you spouse's full name, all the addresses where you have lived for the past five years and their zip codes, your date of birth, and social security number and a copy of your driver's license so they can verify your identity and present address.  The processing of your credit card report information may take three to four weeks.

Aside from these three major credit bureaus, there are also many small local and regional credit bureaus depending on your location.

For those who are Internet savvy, you may try getting your credit card report online from an Internet credit report site by downloading a software that will calculate your credit card report given the information that you will input.  More often than not, these online sites also get their information from any of the major credit bureaus they are tied up with.

Once you have your credit card report, it is now your responsibility to ensure that you have not been wronged through any error contained in the report.  You have your credit report rights that protect you from these discrepancies.  Other than that, you can also use what is contained in the report to explain the circumstances surrounding it.


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