Credit Repair & Building

Credit Repair & Building: Strengthening Your Financial Future

Your credit history is only one part of your financial story—it doesn’t define your future. With
the right strategies, you can repair past mistakes, rebuild your score, and open doors to better
opportunities.

​

Understand Your Credit

Know your score: Request a free credit report annually from each major bureau (Equifax, Experian, TransUnion).

Equifax
Website: www.equifax.com/personal/credit-report-services
Phone: 1888EQUIFAX (18883784329)
Mailing Address: Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 303740241

 

Experian
Website: www.experian.com/help
Phone: 1888EXPERIAN (18883973742)
Mailing Address: Experian P.O. Box 4500 Allen, TX 75013

TransUnion
Website: www.transunion.com/credit-help
Phone: 18009168800
Mailing Address: TransUnion LLC P.O. Box 2000 Chester, PA 190162000

 

Tip: You can also request all three reports at once through the federally authorized site AnnualCreditReport.com, which provides one free report per bureau every 12 months.

After receiving your credit reports:
Check for errors: Look for incorrect accounts, late payments you didn’t make, or duplicate entries.

Dispute inaccuracies: File disputes directly with the credit bureau to correct mistakes.