Student Service Center

Credit Reports

  • By law, each of the three major credit reporting agencies must provide a free credit report once every 12 months upon request.
  • Credit scores are not free, but can be purchased when you order your free report.
  • Credit reports can be accessed by visiting www.annualcreditreport.com or by calling 877.322.8228.

Checking Your Report

A recent study by the US Public Interest Research Groups (USPIRGs) uncovered the following:

  • 25% of credit reports contained errors serious enough to result in a denial of credit.
  • 54% contained mistakes: demographic information errors, information that was outdated, or belonged to a stranger.
  • 30% of credit reports contained credit accounts that had been closed by the consumer but incorrectly remained listed as open.

Disputing Errors

  • Make a copy of the report and circle any errors.
  • In a letter to the credit reporting agency, request that the error be removed or corrected.
  • Attach any supporting documents, such as proof of payment.
  • Contact the creditor associated with the error to alert them of the situation.
  • Send the correspondence via certified mail and attach proof of your Social Security number and address.
  • A response to your query can take between 30 and 45 days. Any corrections will be shown in a fresh credit report issued to you.
Money Matters

Learn how to manage your money.