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Credit Report

How do I get a copy of my credit report?

You can receive one free credit report every 12 months from each of the nationwide consumer credit reporting agencies (Equifax, Experian, and TransUnion).  You can get the report at www.annualcreditreport.com, or by calling (877) 322-8228.


Why is it important to check my credit report?

Identity theft is more and more common. By reviewing your credit report regularly, you can check for accounts that you did not open, debts that you do not owe, and inaccurate addresses and other demographic information.


What if information in my credit report is incorrect?

You can send a letter to the credit reporting agency with a list of the incorrect information in your credit report. The credit reporting agency must investigate your dispute within 30 days. When the investigation is complete, the credit reporting agency must send you the results in writing and a free copy of your report if it makes a change to your report. If the credit reporting agency refuses to correct inaccurate information in your report, you should talk to a lawyer about legal remedies available to you under the Fair Credit Reporting Act.


What if I am the victim of identity theft?

Visit the Federal Trade Commission’s identity theft one-stop website, www.identitytheft.gov. You should also consider filing a police report. Ask your local legal aid for help, or talk to a lawyer.


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Credit Report PDF

Acknowledgements & Disclaimer: This Fact Sheet was prepared by West Tennessee Legal Services (WTLS) and made possible by Serving Tennessee Seniors-administered by The Community Foundation of Middle Tennessee at the request of the Chancery Court. WTLS thanks the Tennessee Bar Association for its permission to use The Legal Handbook for Tennessee Seniors (2014 edition) as a primary information source. This publication is supported, in part, by funds provided by the Southwest Area Agency on Aging and Disability, the Tennessee Commission on Aging and Disability, and the U.S. Department of Health and Human Services. The content herein does not necessarily reflect the opinion or policy of the Southwest Area Agency on Aging and Disability or any agency of Tennessee or the U.S. government. Fact Sheets are for information only and not intended to replace legal advice. If you are in need of legal help, call WTLS at (800) 372-8346, or seek the help of a private attorney. (Revised 5/2017)