Free Credit Reports

Georgia residents are entitled to 2 free reports per year by contacting the below three major credit bureaus. As of June 1, 2005, Georgia residents may obtain free reports of these agencies by visiting https://www.annualcreditreport.com/cra/index.jsp (URL must be typed into browser's address bar).

Your Credit Rights

The Fair Credit Reporting Act

Three Major Credit Bureaus:
Equifax
To order your report, call: 800-685-1111 or write:
P.O. Box 740241, Atlanta, GA 30374-0241

To report fraud, call: 800-525-6285 and write:
P.O. Box 740241, Atlanta, GA 30374-0241
Hearing impaired call 1-800-255-0056  and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

Experian
To order your report, call: 888-EXPERIAN (397-3742) or write:
P.O. Box 2002, Allen TX 75013

To report fraud, call: 888-EXPERIAN (397-3742) and write:
P.O. Box 9530, Allen TX 75013
TDD: 1-800-972-0322

Trans Union
To order your report, call: 800-888-4213 or write:
P.O. Box 1000, Chester, PA 19022

To report fraud, call: 800-680-7289 and write:
Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634
TDD: 1-877-553-7803

Nationwide Specialty Credit Bureaus:

Possibilities exist for obtaining these specialty reports for free. This list is not all inclusive and is subject to verification.

Insurance History:

CLUE Auto History: 866-312-8076

CLUE Homeowners' History: 866-312-8076

Employment History:

Choicepoint Employment Reports: 866-312-8075

ISO's A-Plus Auto and Property Databases: 1-800-709-8842

Residential Tenant History:

Accufax: 800-256-8898

American Tenant Screen: 800-888-1287 Choicepoint Tenant History Reports: 877-448-5732

UD Registry: 818-785-3905

National Tenant Network: 800-228-0989 (Georgia) 770-517-3456

Tenant Data Services: 800-228-1837

Tenant Screening Services: 800-388-2335

Check Writing History:

CheckRite: (800) 766-2748

Chexsystems: (800) 428-9623 or (888) 478-6536

CheckCenter/CrossCheck: (800) 843-0760

Certigy/Equifax: (800) 437-5120

TeleCheck: (800) 366-2425 or (800) 835-2343

International Check Services: (800) 262-7771 or (877) 382-7226

Medical Records or Payments:

Medical Information Bureau: (866) 692-6901 TTY: (866) 346-3642 For Hearing Impaired