Your Experian credit report is one of the three most important credit reports you have. Because you never know which credit report a creditor or lender is going to check, it's important that you manage all of them.
Order Your Experian Credit Report
There are a few ways you can order your Experian credit report.
- For free from www.annualcreditreport.com. Federal law grants you one free copy of your Experian credit report each year. You can also order your annual Experian credit report by calling 1-877-322-8228 or by mailing a request form (Adobe viewer is required to open the request form).
- You can purchase your Experian credit report directly from Experian for $10. Experian also offers a free credit report and credit score through their website if you sign up for a trial subscription for their credit monitoring service. If you sign up for the trial, make sure you cancel before the trial ends to avoid charges for the service.
- If you order a 3-in-1 credit report from any of the online vendors, you'll receive your Experian credit report as well as your report from Equifax and TransUnion.
Dispute Experian Credit Report Errors
You might discover errors on your Experian credit report after you receive it. The Fair Credit Reporting Act gives you the right to have these errors removed through a dispute process.
Your credit report will typically come with instructions for disputing errors. When you order your Experian credit report online, you'll be given a link that you can use to make your dispute.
It's also possible to make a credit report dispute in writing. Simply write a credit report dispute letter, highlight the errors on your credit report, and send any supporting documents you have to Experian's credit report dispute address:
Experian Dispute Department
P.O. Box 9701
Allen, TX 75013
Fight Identity Theft On Experian Credit Reports
If you've been a victim of identity theft, it's important that you let Experian know . That way, you can have your credit reports flagged to prevent further theft. A fraud alert anyone who pulls your Experian credit report know they should take extra steps to confirm your identity. Fraud alerts generally last 90 days or one year for active duty military who are sent overseas.
You can place a fraud alert on your Experian credit report online, over the phone by calling 1-888-397-3742, or by mail by writing P.O. Box 9532, Allen, TX 75013
An Experian credit report security freeze will lock your credit reports preventing inquiries until you unlock it with a PIN or password. Visit Experian's credit freeze page to get detailed instructions for freezing your credit report.
Checking Your Experian Credit Score
Your FICO score is the credit score most widely-used by lenders. Unfortunately, as of February 14, 2009, Experian no longer allows consumers to purchase their FICO score, even though lenders may still use the score to approve applications.