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Credit Reports

HAVE YOU SEEN YOUR CREDIT and SPECIALTY CONSUMER REPORTS?

FACT Act: Fair and Accurate Credit Transaction Act of 2003   http://www.annualcreditreport.com

**Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer reports, at your request, once every 12 months.

Everyone can request one free credit report from each credit reporting agency per year. Ordering this report does not affect your credit score.   www.annualcreditreport.com
877-322-8228

Fair Credit Reporting Act:
Ordering these personal credit reports do not affect your credit score

1. A copy of your report from any credit bureau can be obtained free of charge within 60 days of being denied credit, insurance or employment due to information on your credit report.
**If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to receive a free copy from that bureau.

You are also entitled to one free report a year if:
2. You are unemployed and plan to look for a job within the next 60 days
3. You receive Public Assistance
4. You have reason to believe you are a victim of Fraud

Credit Reporting Agencies Servicing the Texas Gulf Coast Area (2017)  

Equifax
P.O. Box 105851
Atlanta, GA 30348
800-685-1111
www.equifax.com

Experian
Consumer Assistance Center
P. O. Box 2002
Allen, TX 75013
1-866-200-6020
www.experian.com

Trans Union LLC
Attention: Consumer Assistance
P.O. Box 2000
Chester, PA 19022
1-800-916-8800
www.transunion.com

SPECIALTY CONSUMER REPORTS (Consumer Reporting Bureaus)

Consumer specialty companies collect information and provide reports to other companies about you. The CFPB has compiled a list that includes several specialty reporting companies  that focus on certain market areas and consumer segments. The list gives you tips so you can determine which of these companies may be important to you. It also makes it easier for you to take advantage of your legal rights to (1) obtain the information in your consumer reports, and (2) dispute report inaccuracies with companies as needed.   CFPB: 2016 List of Consumer Reporting Bureaus
http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf

OPT-OUT of Mailing Lists
If you want your name and address removed from all mailing lists offered by the main consumer credit reporting agencies, Trans Union, Experian, Equifax:   Call 1-888- 5OPTOUT (1-888-567-8688) or www.optoutprescreen.com

 

Shopping for Insurance?
To obtain price and policy form comparisons and other information related to residential property insurance and personal automobile insurance, visit the Texas Department of Insurance: www.helpinsure.com

 

Search for Unclaimed Property
The Official State of Texas Unclaimed Property Website
One in four Texans has unclaimed property from forgotten bank accounts, uncashed checks, security deposits and utility refunds.  You can request searches by phone or online: 1-800-654-FIND (3463)
ClaimItTexas.org

MissingMoney.com is a database of governmental unclaimed property records.
Conduct a free multi-state search by going directly to MissingMoney, the NAUPA-sponsored search engine, or search state-by-state on individual unclaimed property programs by clicking the appropriate jurisdiction on the map or drop box below. You should search in every state where you have lived.

 

ChexSystems®
The ChexSystems®, Inc network is comprised of member Financial Institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystems® shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystems® only shares information with the member institutions and does not decide on new account openings.

You can order a report to learn what information, if any, ChexSystems, Inc. has about you. If you have been denied an account from a bank or credit union, and ChexSystems® was used in the decision process, this information will help you understand what contributed to that decision.

**Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer report, at your request, once every 12 months.

ChexSystems®
https://www.chexsystems.com
Or Call 1-800-428-9623

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