2. From Which Company Should I Get My Credit Report?
You can request your credit report from just one or two bureaus. But it’s best to order one from all three. If you’ve been denied credit, at the very least, get a copy of your credit report from the bureau that reported the information leading to the denial.
If you haven’t been denied credit, request a copy from the company closest to where you live. If you
find errors in the first credit file, obtain copies of your file from the other two bureaus.Use Form F-22: Request Credit File in Appendix 3 or on the CD-ROM to request your credit file. The following instructions explain what information must be provided and whether any of it is optional.
Full name. A credit bureau cannot process your request without your name. It’s important that you
provide your full name, including generations (Jr., Sr., III) and any other versions of your name that
you use, such as “Trevor J. (aka T.J.) Williams.”
Date of birth. A credit bureau may provide your report without your date (or at least year) of birth.
But this information helps distinguish you from anyone else with a similar name, so you should include it.
Social Security number. Most credit bureaus require this. They use it to distinguish between people with the same or similar last names.
Taken From : Credit Repair by Attorneys Robin Leonard and Deanne Loonin
