How to Order Your Credit Report By Mail
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To order a copy of your credit report by mail, include the following information in your request letter. Your request may not be processed correctly if you don't.
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- Your full name, including your middle name and whether you are a "Jr.," "Sr.," "III," etc.
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- Your spouse's name if you're married
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- Your Social Security number
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- Your current address and former address, if you've lived at your current address for less than five years
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- The name of your current employer
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- Your daytime and evening phone numbers with area codes
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Special Circumstances for Free Credit Reports
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In addition to the free credit reports that federal law say you are entitled to every year, you are also entitled to a free credit report in certain special circumstances.
You are entitled to a free credit report if you are denied...
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...because of negative information in your credit report.
You must request the report within 60 days of being notified of the denial. When a creditor, insurance agency, or employer sends you its denial notice it must provide you with the name of the credit bureau and its contact information.
You are also entitled to a free credit report if:
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- Your current employer demotes or fires you
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- Your insurance premium is increased
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- A creditor changes the terms of your credit
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- You are unemployed and intend to apply for employment within the next 60 days
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- You are receiving public assistance payments
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- You believe that you are the victim of credit fraud, including identity theft
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- A collection agency has told you that it reported negative information about you to a credit bureau, or is planning to do so.
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