Resources for Consumers

Getting a FREE Copy of Your Credit Report

An amendment to the federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies-Equifax, Experian, and TransUnion-to provide you with a free copy of your credit report, at your request, once every 12 months. You can get an annual free copy of your credit report online by going to annualcreditreport.com

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Disputes Related to Your Credit Report

If you have a question regarding a credit inquiry that appears on your credit report by Alliance 2020 or any question related to a report compiled by Alliance 2020, please call 800-289-8065 or email compliance@alliance2020.com

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy for information in the files of every “consumer reporting agency” (CRA). You can find the complete text of the FCRA, 15 U.S.C. 1681-1681U, at the Federal Trade Commission’s web site-www.ftc.gov. The FCRA gives you specific rights as a consumer. You may have additional rights under state law. You may contact a state or local consumer protection agency or state attorney general to learn those rights.

The FCRA also provides you the right to “Opt Out”, to prevent your credit information from being offered to other companies not initiated by you.

The mission of the CFPB is to make markets for consumer financial products and services work or Americans – whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products

Experian call 888-397-3742 or www.experian.com/freeze
Trans Union call 888-909-8872
Equifax To place a freeze 800-525-6285
To Temporarily lift a freeze -888-298-0045
To Permanently lift a freeze- must be done in writing

Credit Bureau Contact Information


Transunion

PO Box 1000, Chester, PA 19022
800-888-4213
transunion.com/myoptions

Equifax

PO Box 740241, Atlanta, GA 30348
800-685-1111
equifax.com/fcra

Experian

PO Box 2002, Allen, TX 75013
888-397-3742
experian.com/reportaccess