CREDIT REPORT AGENCIES

Credit Reporting Agencies collect information about you and your credit history from public records, your creditors and other reliable sources. These agencies make your credit history available to your current and prospective creditors and employers as allowed by law. Credit agencies do not grant or deny credit.

The credit reporting agencies are:

Equifax www.equifax.com
PO Box 105873
Atlanta, GA 30348
800-685-1111

Experian http://experian.com/
PO Box 2002
Allen, TX 75013

Consumer Credit Questions
888-EXPERIAN (888-397-3742)

Trans-Union www.transunion.com
PO Box 390
Springfield, PA 19064
(800) 916-8800
(800) 851-2674

CREDIT PROFILE

Your credit profile details your credit history as it has been reported to the credit reporting agencies by lenders who have extended credit to you. Your credit profile lists what types of credit you use, the length of time your accounts have been open, and whether you've paid your bills on time. It tells lenders how much credit you've used and whether you're seeking new sources of credit.

There are usually five categories of information on a credit profile:

• Identifying Information
• Employment Information
• Credit Information
• Public Record Information
• Inquiries

There are many items that are NOT included on your credit profile, including:

• Your race
• Your religion
• Your health
• Your driving record
• Your criminal record
• Your political preference
• Your income

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