Have you looked at your credit report lately? An estimated 76% of all credit reports contains errors, possibly misrepresenting your credit worthiness.

At Consumer Credit Counseling Service of Southern Oregon we can help! For a nominal fee you will receive a comprehensive copy of your credit report(s), and a Certified Credit Report Reviewer will help you understand the information contained in your report(s).  The reviewer can show you how to legally improve your credit situation by presenting the best possible picture of your credit worthiness.

CALL 541-779-2273 for an appointment today!!

Credit Report Review Pricing Schedule

One Bureau report for one person	$25.00
Two Bureau report for one person	$30.00
Three Bureau report for one person	$40.00
One Bureau report for two people (joint report)	$35.00
Two Bureau report for two people (joint report)	$50.00
Three Bureau report for two people (joint report)	$70.00

What information is available in a credit report review appointment?

A listing of all your creditors that report to the credit bureaus with payment history, current balance, and the date of last activity. A summary of any legal action such as judgments and bankruptcy. A list of businesses that have received a copy of your report. A list of your creditors' phone numbers and/or addresses. A credit score for each bureau. An explanation of your consumer rights and how to dispute inaccurate Information. Suggestions on how to improve your report and score.

       Just a note: It is important to review all three of your credit reports.  Not all of your credit information is reported to all
       of the bureaus, and they do not always share the information with each other.

       Articles regarding credit reports can be found on the publications page.

AnnualCreditReport.com The three credit bureaus (Experian, Equifax, and TransUnion) are now required by law to offer the consumer a free copy of their credit report every year.  To access your free credit report, you may go to the website: www.annualcreditreport.com and fill in the information required to get your report.  On-line access to your report should be available immediately. Annual Credit Report may also be reached at 1-877-322-8228 or you may send a written request for information to: Annual Credit Report Service,  P.O. Box 105281  Atlanta,  GA 30348-5281.  Phone requests or requests through the mail should be processed within 15 days. You will not get a credit score at www.annualcreditreport.com.  Credit scores are available but there is a cost.  Should you receive your credit report and have questions regarding your report, a Consumer Credit Counselor would be happy to review your report with you.  The cost for this service when you bring your own report is $20.00.

Frequently Asked Questions Where can I find information on disputing or correcting information in my credit file? What is a credit score? How can I get my credit score? How do I request a credit report by mail for a child under 13 years of age? How can I exclude my name from nationwide consumer credit reporting company lists for unsolicited credit and insurance offers? What about companies that claim they can improve my credit report for a fee? How do I contact the Federal Trade Commission (FTC)? How do I request a fraud alert be placed on my file? Where can I find out more about identity theft? How can I learn more about guarding against internet fraud and protecting my personal information? Where can I find information on disputing or correcting information in my credit file? Please contact the nationwide credit reporting company that provided the credit report (Experian, Equifax, TransUnion) Equifax Experian TranUnion P.O. Box 740256 P.O. Box 2002 P.O. Box 2000 Atlanta , GA 30374 Allen, Texas 75013 Chester, PA 19022-2000 1-800-685-1111 1-888-311-4769 1-800-493-2392 What is a credit score? A credit score is a complex mathematical model that evaluates many types of information in a credit file.  A credit score is used by a lender to help determine whether a person qualifies for a particular credit card, loan, or service.  Most credit scores estimate the risk a company incurs by lending a person money or providing them with a service - - specifically, the likelihood that the person will make payments on time in the next two to three years.  Generally,  the higher the score, the less risk the person represents. How can I get my credit score? You can purchase your credit score by contacting one of the nationwide consumer credit reporting companies. How do I request a credit report by mail for a child under 13 years of age? The credit reporting agencies do not knowingly maintain credit files on minors.  If you suspect that your minor child's information has been used fraudulently, you should contact the credit reporting agencies directly and report the illegal use of your child's information to law enforcement.  Please supple each credit reporting agency with your child's complete name, address, date of birth and copy of the minor's birth certificate and social security card.  Additionally, please provide a copy of your driver's license or other government issued proof of your identity, which includes your current address, and current utility bill containing your current address so the credit reporting agencies may promptly respond to your request. How can I exclude my name from nationwide consumer credit reporting company lists for unsolicited credit and insurance offers? You may request that consumer credit reporting companies exclude your name from lists for pre-approved, unsolicited credit and insurance offers.  To find out more, please call 1-888-5OPTOUT (1-888-567-8688). What about companies that claim they can improve my credit report for a fee? The Federal Trade Commission (FTC) cautions consumers to be wary of companies that make claims regarding credit repair.  These companies, commonly called credit clinics, don't do anything for consumers that consumers cannot do for themselves at little or no cost.  Beware of any organization that offers to create a new identity and credit file for you.  The FTC and state attorneys general have filed actions against those who pursue these fraudulent practices.  Here are some warning signs that the FTC and others say consumers should look out for to determine if they might be dealing with a credit clinic: An organization that guarantees to remove late payments, bankruptcies, or similar information from a credit report An organization that charges a lot of money to repair credit A company that asks the consumer to write to the credit reporting company and repeatedly seek verification of the same credit account information in the file, month after month, even though the information has been determined to be correct An organization that is reluctant to give out their address or one that pushes you to make a decision immediately How do I contact the Federal Trade Commission (FTC)? Federal Trade Commission Consumer Response center Room 130 600 Pennsylvania AV, N.W. Washington, D.C. 20580 www.ftc.gov/credit To return to FAQ  To return to the top of the page How do I request a fraud alert be placed on my file? You have the right to ask that nationwide consumer credit reporting companies place "fraud alert" in your file to let potential creditors and others know that you may be a victim of identity theft.  A fraud alert can make it more difficult for someone to get credit in your name because it tells creditors to follow certain procedures to protect you.  It may also delay your ability to obtain credit.  You may place a fraud alert in your file by calling just one of the three nationwide consumer credit reporting companies (Experian, Equifax, TransUnion).  As soon as that agency processes your fraud alert,  it will notify the other two,  which then also must place fraud alerts in your file. An initial fraud alert stays in your file for at least 90 days.  An extended alert stays in your file for seven years.  To place either of these alerts, a consumer credit reporting company will require you to provide appropriate proof of your identity, which may include your Social Security number.  If you ask for an extended alert,  you will have to provide an identity theft report.  An identity theft report includes a copy of a report you have filed with a federal, state, or local law enforcement agency.  For more detailed information about the identity theft report, visit www.consumer.gov/idtheft.    Where can I find out more about identity theft? Please visit the Federal Trade Commission Identity theft Center at www.consumer.gov.idtheft How can I learn more about guarding against internet fraud and protecting my personal information? OnGuardOnline.gov provides practical tips from the federal government and the technology industry to help you guard against phishing and internet fraud, secure your computer, and protect your personal information.

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