STEP-BY-STEP INSTRUCTIONS TO ORDER A CREDIT REPORT ONLINE ... previously lived, requesting a credit report over the phone or by mail may be a better option. 1.
STEP-BY-STEP INSTRUCTIONS TO ORDER A CREDIT REPORT ONLINE When pulling credit reports online, the sites will attempt to confirm identity. They do this by asking about previous debt and loan amounts (which can be from years ago), and addresses. If you do not have a great memory of your past debt or where you previously lived, requesting a credit report over the phone or by mail may be a better option. 1. Visit annualcreditreport.com 2. Fill out the web form with: a. First and Last Name b. Birthday c. Social Security Number d. Current U.S. Address e. Previous U.S. Address (if client has changed addresses in the last 2 years) f. Confirm Identity by answering security questions about past debt, previous addresses, or previous names • If answered incorrectly, you will have to pull report by mail or phone 3. Pick the reports you want: Equifax, Transunion, Experian a. You can choose just one, two, or all three credit reports 4. Review report, if any errors or inaccuracies are noticed, see the section on what to do if errors, inaccuracies, or incomplete information is found. If you have never pulled your credit report before, it is recommended to pull all 3 at first. This way you can check to make sure they are all reporting the same, accurate, information.