Free Annual Credit Report
1-(877) 322-8228
www.annualcreditreport.com
Notation: Order Reports by Phone for Best Results
DPMC Consulting does not use Online Versions, Merged File, or Mortgage Credit Reports for Analysis Purposes.
If you have lived at your Current Address for less than two (2) years, request the Credit Reports by using the
Mail Request Form. Click on the Link below to view and print the form.
https://www.annualcreditreport.com/cra/requestformfinal.pdf
Attach three forms of Identification (copies) to the form that include your Full Name and Current Address.
Acceptable forms of Identification are:
(1) Current Drivers License
(2) State Identification Card
(3) Current Utility or Cell Phone Bill
(4) Cover Page of Credit Card or Bank Statement
[Experian] [Equifax]
[Trans Union]
[Fair Credit Reporting Act]
[Credit Score Guide]
[Sample Request Letter]
[Paying for Reports, Denial, Unemployment, Fraud,
Public Assistance]
[Identity Theft & Credit Fraud
Contacts]
[Identity Theft & Credit Fraud
Prevention]
|
Experian
www.experian.com
Post Office Box 2104
Allen, Texas 75013
1- (888) 397-3742
Back to top
Equifax Information
Services, LLC
www.equifax.com
Post Office Box 740241
Atlanta, Georgia 30374
1-(800) 685-1111
Back to top
Trans Union Corporation
www.transunion.com
Post Office Box 1000
Chester, Pennsylvania 19022-1000
1-(800) 888-4213
1-(800) 916-8800
Back to top
**Notation**
Order Credit Reports by Phone for Best Results.
When ordering reports online, have reports mailed to
you via U.S. Mail.
DPMCUSA Does Not Use Online, Merged File, or Mortgage Credit Reports For Analysis Purposes.
Please Do Not Fax Credit Reports to DPMC Consulting / DPMCUSA.
For information on the Fair Credit
Reporting Act (FCRA), Fair Debt Collections Practices Act,
Identity Theft Act & Credit Repair Organizations Act, please
contact:
Federal Trade Commission
www.ftc.gov
www.ftc.gov/os/statutes/fcra.htm
www.ftc.gov/os/statutes/fdcpajump.htm
www.ftc.gov/os/statutes/croa/croa.htm
www.ftc.gov/bcp/edu/microsites/idtheft/
Bureau of Consumer Protection
600 Pennsylvania Avenue N.W.
Washington, DC 20580
1-(877) FTC-HELP (382-4357)
Back to top
Credit Score Guide @ Estimated Range 950-150
|
| 950 - 731 |
Excellent Risk Factor |
| 730 - 701 |
Good Risk Factor |
| 700 - 671 |
Moderate Risk Factor
Some Issues / Look Closer for Details |
| 670 - 586 |
Higher Risk Factor / Some
Unresolved Issues
Possible High Debt to Income Ratio
Possible Previous Bankruptcy
Too Many Open Accounts
Too Many Inquiries on Reports
* Results in Higher Risk
Factor |
| 585 - 150 |
Poor Risk Factor / Many Unresolved
Issues
Lack of Good Credit / Bad Debts & Charge Off Accounts
Collections / Defaulted Student Loans / Repossessions
Too Many Inquiries on Reports
* Results in Repeated Credit Denials
* Results in Possible Predatory Lending Situations
* Lost Career Advancement & Employment
Opportunities |
Notation:
This guide is not to be used to predict or predetermine the
approval or denial process of any potential creditor. For more
specific information about your Personal Credit Scores, please
order them from the National Credit Bureaus with a copy of your
Credit Report. The links to the Credit Bureaus are above.
Back to top
|
Sample Request Letter
Month / Date / Year
Experian - NCAC
Post Office Box 2104
Allen, Texas 75013
Please send me a copy of my credit report. Enclosed is a copy of
my: (1) photo identification, (2) social security card, and (3)
proof of my current address for verification of my identity. I
have also enclosed a check in the amount of $XX.XX for the
processing fee.
NOTATION: Please verify the fee with the bureaus directly. There may be a charge for State Sales Tax.
The following is my personal information:
| Full Name: |
John S. Anderson, Sr. |
| |
|
| Social Security Number: |
123 - 45 - 6789 |
| Date of Birth: |
April 28, 1962 |
| |
|
| Current Address: |
2468 Pine Oak Drive |
| City: |
Pittsburgh |
| State: |
Pennsylvania |
| Zip Code: |
15222 - 0000 |
| |
|
| Previous Address: |
1357 Main Street - Apartment # 4 |
| City: |
Pittsburgh |
| State: |
Pennsylvania |
| Zip Code: |
15222 - 0000 |
| |
|
| Current Employer: |
ABC Controls Incorporated / Production
Manager |
If you have any further questions, please call me during the day
at (412) 123 -4567.
Thank You.
(Your Signature is Mandatory)
John S. Anderson, Sr.
Attachments:
Back to top |
Please send me a copy of my credit report. Enclosed is a
photocopy of photo identification and proof of my current address
for verification of my identity. I have also enclosed a check in
the amount of $XX.XX for the processing fee.
NOTATION: Please verify the fee with the bureaus directly. There may be a charge for State Sales Tax.
----------
- Denial of Credit, Insurance or
Employment
Please send me a complimentary copy of my credit report. Enclosed
is a photocopy of photo identification and proof of my current
address for verification of my identity. I have also enclosed a
copy of a recent denial letter from a creditor / insurance
company / potential employer.
----------
- Unemployed / Looking for Employment
Please send me a complimentary copy of my credit report. I am
currently unemployed and seeking employment within the next 60
days. Enclosed is a photocopy of photo identification and proof
of my current address for verification of my identity.
----------
- Identity Theft / Credit Fraud
Please send me a complimentary copy of my credit report. Enclosed
is a photocopy of photo identification and proof of my current
address for verification of my identity. I have reason to believe
that incorrect information is being reported due to credit
fraud.
---------
- Public Assistance / Welfare Recipients
Please send me a complimentary copy of my credit report. Enclosed
is a photocopy of photo identification and proof of my current
address for verification of my identity. I am currently receiving
aid from the Department of Public Assistance. I have also
included is a copy of my DPA benefits identification card.
----------
Back to top |
|
Identity Theft & Credit Fraud Contacts
Experian Credit Information Services
www.experian.com
1-(888) 397-3742
Equifax Credit Information Services
www.equifax.com
1-(800) 525-6285
Trans Union Corporation
www.transunion.com
1-(800) 680-7289
Federal Trade Commission
www.ftc.gov/bcp/edu/microsites/idtheft/
Identity Theft Hotline
1-(877) 438-4338
Check Verification Companies / Check Theft Services
Telecheck
www.telecheck.com
1-(800) 835-3243
ChexSystems
www.chexhelp.com
1-(800) 428-9623
Checkwrite
www.globalpaymentsinc.com
1-(800) 766-2748
|
Identity Theft & Credit Fraud Prevention
|
Mail your outgoing mail at the U.S. Post Office. Don't hang mail
out of your residence mailbox. The postal employee may not get
it. Someone else could. Credit card statements, utility bills,
student loan payments (SSN as Account No.), contain valuable
information for identity thieves. Don't invite them to your
doorstep.
Clear incoming mail from your mailbox daily. Pre-Approved Credit
offers can become numerous if you meet a certain criteria of the
credit card companies making the offers. An intact pre-approved
application makes it entirely to easy for identity thieves. Call
1 (888) 5OPTOUT / (888) 567-8688 to stop receiving the
offers. |
|
Never give your Social Security Number or Personal Identification
Information to anyone over the phone unless you initiated the
contact. Legitimate companies or telemarketing representatives
that may contact you are well aware that identity theft is the
fastest growing white-collar crime. Policies should already be in
place prohibiting representatives from asking for "too much"
personal information. |
- Online Transactions / E-mail
Refrain from transmitting your Social Security Number via the
Internet. There is no need for any online transaction to require
more than your credit card number, expiration date, full name
& your current address. Only purchase online from E-Commerce
sites that use a secure server for credit & debit card
transactions. Look for a Secure Site Seal on the homepage. Also
keep in mind that e-mail could be viewed by hackers. Exercise
good judgment when composing all email messages. Limit the
personal information to be transmitted. |
Posting an overly revealing resume online can be risky. Online
resumes should contain personal objectives, contact information,
chronological work history and educational background. The main
problem with HTML and Flash Presentation resumes are they
sometimes include too much information (TMI) that employers do
not need. Some of this being; date of birth, social security
number, marital status, drivers/operators license information,
ethnic background, height, and weight. Some resumes also include
photographs.
Too much personal information included in an online resume could
be used to commit identity theft. Identity thieves could possibly
mask themselves as employers online. They may scan thousands of
resumes until they hit "pay dirt". Once they find a resume with
too much "identifying" information they can use it to commit
credit fraud & identity theft. It costs an average of three
hundred dollars or less to post a "ghost" job with online job
posting services. That is a minimal amount to an identity thief
that may scan thousands of resumes for potential victims. Odds
are, the posting fee would have been paid online with a credit
card obtained illegally. |
- Old Documents / Tax Forms / Credit Card
Statements / Pre-Approved Credit Offers
Buy a personal paper shredder and use it. Usually these types of
documents contain sensitive data, personal information &
account numbers. Although you may consider some of it outdated
trash identity thieves consider it to be a potential gold mine.
Remember the old saying "one persons trash is another's
treasure". |
|
|
