3 Credit Report Agencies

There are three credit report agencies as shown below. It's really important for retirees to know and use these agencies.

WHY are annual credit reports necessary?

You really need to calandar your annual credit reports check up... it's free and only takes you time. Why not?

You should do them to assure yourself that nobody has stolen your credit -- identity theft is pretty darn scary. You can lose so much time and effort trying to repair your credit, so get credit reports annually.

Another great reason is to keep a good credit line open and available just in case you need it. You also can't get loans if you have really bad credit, right? 

You can request a free credit report online¬†here (if you order online via any of the three below, you will be charged... use this link for the free report). You can also send a letter via postal mail (addresses below). You can call and request a free credit report.

3 Credit Reporting Agencies

Experian Consumer Assistance

PO Box 2002
Allen, TX 7513

Phone: 1-888-397-3742

Equifax Credit Information Services, Inc

PO Box 740241
Atlanta, GA 30374

Phone: 1-800-685-1111

Trans Union Corporation

Consumers Disclosure Center PO Box 1000
Chester PA 19022

Phone: 1-877-322-8228

Has anyone used these agencies before? What was your experience?

I hope this helps retirees maintain their precious credit status!