Free Annual Credit Reports, File Disclosures, Disputes and Resources
The Fair Credit Reporting Act (FCRA) requires the three national credit bureaus (Equifax, Experian and TransUnion) provide a consumer with a free copy of his/her credit report, upon request, once in a twelve month period. To obtain a free copy of your credit report, visit www.annualcreditreport.com, call 1-877-322-8228, or mail your request to Annual Credit Report, PO Box 105281, Atlanta 30348-5281. You will need to provide your full name, address, SSN, date of birth as well as stating whether you would like your credit report from one, two or all three credit bureaus.
The FCRA also requires Consumer Reporting Agencies (CRA's), provide a consumer, upon request, with a free file disclosure under the following circumstances:
- Within 60 days of consumer receiving an adverse action notification.
- Upon providing written certification that the consumer is unemployed and intends to apply for employment within 60 days.
- Upon providing written certification that the consumer is a recipient of public welfare assistance.
- Upon providing written certification that the consumer has reason to believe that the file on the consumer contains inaccurate information due to fraud.
- National Specialty Consumer Reporting Agencies are required to provide a "Free Annual Disclosure" once in a twelve-month period. Though not required of Verifications, Verifications will, upon request, provide a complimentary annual disclosure.
The FCRA describes a "disclosure" as "all information in the consumer's file at the time of the request". Further, some state laws also entitle consumers to free disclosures and/or Background Report copies in other circumstances.
Regardless of whether any of the criteria listed above have been met, you may contact Verifications, Inc. toll-free at 1-877-884-1313 and request a Disclosure and/or a copy of the Consumer Report/Investigative Consumer Report (Background Report) of which you are the subject that we have prepared at the request of one of our clients. This service is provided at no charge to you. Please note that proper identification will be required. If you have already submitted a request and have not yet received a response, please call 1-877-884-1313 to inquire as to the status of your request.
Please note that Verifications, Inc. only prepares Background Reports at the request of our client who must obtain authorization. Therefore unless you have previously authorized a prospective employer or landlord to obtain a Background Report from Verifications, Inc. about you, we will not have a file of which you are the subject.
If you prefer you may mail your request to us at: Verifications, Inc., Attention: Applicant Services, 1425 Mickelson Drive, Watertown, SD 57201. For your convenience, a Disclosure/Copy Request form is provided (click here). Use of this form is not required, however; you may submit your request in any written form you choose.
If you wish to dispute the accuracy of any information in your Background Report, you may do so free of charge by contacting us toll-free at 1-866-280-4091. If you prefer, you may mail your request to us at: Verifications, Inc., Attention: Applicant Services, 1425 Mickelson Drive, Watertown, SD 57201. For your convenience, a Dispute Request form is provided (click here). Use of this form is not required, however; you may submit your request in any written form you choose.
Listed below are some additional resources the Consumer Financial Protection Bureau publishes to assist consumers.