I cannot get a copy of my credit report. Am I a victim of fraud? Why bureaus refuse to give me a copy of my credit report?

You may be a victim of fraud and your social security has been compromised. When you provide your name, social and address to the bureaus, they cannot match your information with what is inside their database.

The credit reporting agencies can help you remedy the situation. We recommend the following:

Write a letter to the credit reporting agencies using the addresses below and provide the following:

  1. Piece of mail to your current address with your name on it. This proves your present address,
  2. Explain that you cannot get a copy of your report.
  3. Include a copy of your social security card and driver’s license.

Send the letters via certified mail, return receipt requested, or Fed-ex with a “signature required”, so you have documentation proving the credit reporting agency has received your letter. Keep a copy of your letter and all other documents for future reference.

The bureaus will correct the problem and you will receive a copy of your credit report by mail.  It will take around 30 days.

Equifax
P.O. Box 105139
Atlanta, GA 30348-5139

Experian
P.O. Box 2002
Allen, TX 75013

TransUnion
P.O. Box 2000
Chester, PA 19016