Quality Credit Services, Inc.
167 Summerfield Lane
Butler, KY 41006
Phone: 1-800-763-1580
Email: support@myfinancialadvantage.com

Credit Restoration  »  Obtain A Credit Report

You can pick up a free credit report by mail, by internet or by phone directly from the three major credit bureaus: Experian, Equifax and Trans Union. You must meet the following criteria:

  • Residents of Colorado, Maryland, Massachusetts, New Jersey, and Vermont are entitled by state law to one free credit report from a credit-reporting agency per year. Residents of Georgia are entitled to two (request credit report by mail).
  • If you are unemployed and intend to apply for unemployment in the next 60 days.
  • If you are on public welfare assistance.
  • If you have reason to believe your file contains inaccurate information due to fraud.
  • If you have been the subject of an adverse decision, such as denial of credit, insurance or employment within the past 60 days.

You should obtain copies of your credit reports from each of three major credit agencies: Experian, Equifax and Trans Union at least two times per year.

To receive your credit report via the mail you have to send a check or money order for $9.00 directly to each of the credit bureaus. The mailing address for each credit bureau is listed below. If you would like to receive your credit scores also the fee is $14.95.

If you do not have a major credit card and you do not meet the criteria to receive a free credit report from above then this is the only way for you to obtain your credit reports.

To receive your credit report via the Internet you would have to visit each website individually. The website addresses for each credit bureau is listed below. You will need a major credit card if you do not meet the criteria to receive a free credit report from above.

Some of the credit bureaus will allow you to order your credit report and FICO scores via the telephone. You will need a major credit card if you do not meet the criteria to receive a free credit report above. Contact each credit bureau individually and follow the automated prompts.

Equifax Credit Information Services Inc.
P.O. Box 740241
Atlanta, Ga. 30374
1-800-685-1111
Website

Trans Union LLC, Consumer Disclosure Center
P.O. Box 1000
Chester, Pa. 19033
1-800-888-4212
Website

Experian, NCAC
P.O. Box 9595
Allen, Tx. 75013
1-888-524-3606
Website