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You should also note that if you want to make changes to your credit or wish to talk to someone about your credit you must first order a copy of your personal file. If you wish to receive a copy of your credit report you can do so by:

• Requesting your report on-line
• Calling Equifax at 1-800-685-1111
• Writing to Equifax Credit Information Center

  P.O. Box 740241
  Atlanta, GA 30374-0241

Note: When you make your request to Equifax, it must include your name; social security number; date of birth; current employer; telephone number; and a check or money order for $9.00 unless you qualify for a free report.

You can obtain a copy of your free report once a year here

You are entitled to receive a free copy of your credit report, if:

• You have been denied credit within the last 60 days
• You are unemployed and are actively seeking employment
• You are receiving public assistance
• You believe you are a victim of fraud

Warning: Under the Fair Credit Reporting Act, any person who knowingly and willfully obtains a credit report under false pretense (for example obtaining a credit report on an individual without their permission), is subject to a fine up to $5000 or imprisonment for up to one year, or both.