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As an NCA Credit Repair client, you will need to obtain a copy of your individual credit report from each credit reporting agency (EQUIFAX, EXPERIAN, and TRANS UNION). The cost is approximately $10.00 for each report.
- Obtaining your credit report one of the three ways mentioned here WILL NOT put an unfavorable Inquiry on your credit report. Inquiries cost you points on your credit score.
- We cannot accept 3 in 1 reports or reports pulled through a 3rd party report company, like a mortgage office or the like. These 3rd party reports would put an unfavorable inquiry on your credit report.
- Everyone has their own individual credit report. If your spouse needs assistance with their credit, then he/she should also get a copy of their individual credit report from each credit reporting agency.
- If you have been turned down for credit in the last 60 days, you are entitled to a complimentary copy of your report at no cost.
You MUST use one of the THREE WAYS BELOW to obtain reports
No other reports will be accepted for our program!
ORDER ONLINE - Receive immediately and print
IMPORTANT NOTE: When printing reports online, be sure to select the "Printer Friendly" or "Full View" version of the report before printing. By using these links below, you will obtain the proper credit report. Click the appropriate links below to order your reports.
FREE CREDIT REPORTS: New legislation has passed to allow each individual a free copy of their credit report from each credit bureau, once per year. If you have not gotten your free credit reports this year, please check this link first before ordering your reports below. You will need to open a new browser window and type in the following website address:
www.annualcreditreport.com
EQUIFAX
EXPERIAN
TRANS UNION
ORDER BY MAIL - Receive in 7 to 10 days
- This is the best way to order your reports if you have been denied credit in the last 60 days.
Mail the following letter to each of the three bureaus:
- To whom it may concern, please send me a copy of my credit report."
- My Full Name { Last, First, Middle. Jr., SR, III }
- Current Address and Zip Code
- Former Addresses and Zip Code in Last 2 Years
- Social Security Number and Date of Birth
- When requesting reports by mail you MUST send Certification of Name and Address, such as Copy of Driver's License, SS Card, Bank Statement, Public Utility Statement or something that certifies proper person is requesting credit report. If you are requesting an additional report for your spouse, then the same information above is needed along with proof of identification. Your address identification MUST match your current address.
- Send a $10.00 check or money order with each credit report request letter or send a copy of your credit denial letter received within the last 60 days, if requesting a complimentary copy of report
ADDRESSES TO USE FOR OBTAINING CREDIT REPORTS
EXPERIAN
P.O. BOX 2104
ALLEN, TX.
75013-2104 | EQUIFAX
P.O. BOX 105873
ATLANTA, GA.
30348 | TRANS UNION
P.O. BOX 1000
CHESTER, PA.
19022 |
ORDER BY PHONE - Receive in 7 to 10 days
- You must have a credit card or visa debit card to order by phone
To order by phone, you must have a credit card to pay for the report or credit denial letter handy.
| EQUIFAX | 1-800-685-1111 | | |
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| EXPERIAN | 1-800-311-4769 | 1-888-397-3742 | |
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| TRANS UNION | 1-800-916-8800 | 1-800-888-4213 | | |
Mail original reports to your Representative once obtained:
- Mail reports within 7 days of obtaining them (reports expire)
- Include a clear copy of your drivers license and social security card
- Include completed client agreement paperwork
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