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Equifax Atlanta, GA 30348-5788 TransUnion Chester, PA 19016 Innovis Atlanta, GA 30353-0086 Your credit freeze will go into effect the next business day if you place it online or by phone. If you place the freeze by postal mail, it will be in effect three business days after the credit agency receives your request. A credit freeze does not expire. Unless you lift the credit freeze, it stays in effect. Lift a Credit FreezeIf you want lenders and other companies to be able to access your credit files again, you will need to lift your credit freeze permanently or temporarily. Contact each credit reporting agency. You'll use a PIN or password to lift your credit freeze. You can lift your credit freeze as often as you need to, without penalties. It takes one hour for a lift request to take effect if you place it online or by phone. It can take three business days if you request the lift by mail. If you find errors on your credit report, write a letter disputing the error and include any supporting documentation. Then, send it to:
Find a sample dispute letter and get detailed instructions on how to report errors. The credit reporting agency (CRA) and the information provider are liable for correcting your credit report. This includes any inaccuracies or incomplete information. The responsibility to fix any errors falls under the Fair Credit Reporting Act. If your written dispute does not get the error fixed, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). Negative information in a credit report can include public records--tax liens, judgments, bankruptcies--that provide insight into your financial status and obligations. A credit reporting company generally can report most negative information for seven years. Information about a lawsuit or a judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. Bankruptcies can be kept on your report for up to 10 years, and unpaid tax liens for 15 years. Fixing Errors in a Credit ReportAnyone who denies you credit, housing, insurance, or a job because of a credit report must give you the name, address, and telephone number of the credit reporting agency (CRA) that provided the report. Under the Fair Credit Reporting Act (FCRA), you have the right to request a free report within 60 days if a company denies you credit based on the report. You can get your credit report fixed if it contains inaccurate or incomplete information:
Some companies may promise to repair or fix your credit for an upfront fee--but there is no way to remove negative information in your credit report if it is accurate. File a ComplaintIf you have a problem with credit reporting, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). A medical history report is a summary of your medical conditions. Insurance companies use these reports to decide if they will offer you insurance. You have the right to get a copy of your report from MIB, the company that manages and owns the reporting database. Request Your Free Medical History ReportRequest a medical history report online from MIB or by phone at 1-866-692-6901. You have the right to get one free copy of your medical history report each year. You can request a copy for:
Reasons You May Not Have a Medical History ReportNot everyone has a medical history report. Even if you currently have an insurance plan, you won't have a report if:
Medical ID Reports and ScamsUse your medical history report to detect medical ID theft. You may have experienced medical iD theft it if there is a report in your name, but you haven't applied for insurance in the last seven years. Another sign of medical ID theft is if your report includes medical conditions that you don't have. File a DisputeReview your report to verify that it only includes medical conditions that you have. Request a re-investigation if your report is incorrect. Email your dispute to or write: MIB Disclosure Office 50 Braintree Hill Park, Suite 400 Braintree, MA 02184. Report unresolved disputes to the Consumer Financial Protection Bureau. Last Updated: July 12, 2022 Top
Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted. Credit Karma and Experian play different roles when it comes to your credit. Experian is one of the three major credit bureaus, along with Equifax and TransUnion. These companies compile information about your credit into reports that are used to generate your credit scores. Credit Karma isn’t a credit bureau, which means we don’t determine your credit scores. Instead, we work with Equifax and TransUnion to provide you with your free credit reports and free credit scores, which are based on the VantageScore 3.0 credit score model. We also offer recommendations for credit cards, personal loans, auto loans and mortgages. What is Experian Boost™?If you’ve been regularly checking your Experian credit score, you may have come across Experian Boost. Experian Boost isn’t a model used to calculate a credit score. Rather, it’s an offering that goes beyond the traditional credit score factors to incorporate your payment history from common bills for things like cell phone service, popular streaming services and other utility bills. Keep in mind that not everyone sees a credit score increase with Experian Boost, and a lender may use a different credit score that isn’t affected by Experian Boost when deciding whether to approve you for a loan. If you’d still like to access your Experian credit score, you can find it for free in several places. Experian’s free CreditWorks℠ Basic service updates your credit score every 30 days. Experian also operates freecreditscore.com, another place where you get your free Experian FICO score once a month. Some banks and credit card issuers, like Discover, also offer complimentary Experian-based FICO® credit scores. And if you’re willing to pay, Experian and FICO both offer premium services through which you can access your credit scores on a more regular basis. These services offer other benefits, too, such as access to your credit reports and credit- and identity-theft monitoring and support. But we believe strongly that you should never have to pay to access your credit scores or credit reports. The three major credit bureaus get their information from different sources. This means that your three credit reports from these bureaus may all be slightly different. Consider monitoring each of these reports on an annual basis to help make sure the information is correct. If you’re using Credit Karma to check your credit scores and monitor your credit reports, keep in mind that we update your TransUnion credit scores on a daily basis, so you can follow your progress closely. But as we mentioned, the most important credit report is the one your lender reviews when you apply for a new credit card, loan or mortgage. Because you may not know which report your lender might use, it’s more important to focus on the general principles of building credit than on memorizing what’s in a particular report. To recap, Credit Karma provides your Equifax and TransUnion credit scores, which are different from your Experian credit score. While the credit bureaus look at the same sort of things — your payment history, credit use, length of credit history, credit mix and new credit — lenders sometimes only report your account information to one or two of the bureaus instead of all three. So if Experian has access to different information about your credit than Equifax or TransUnion, your scores from each of the bureaus might also be different. And even though the three major credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. But that doesn’t mean one credit score is more or less accurate than the others. Instead of comparing your Experian credit scores to the scores you find on Credit Karma, we recommend you look at how each credit score changes over time. Is it going up or down? Credit Karma is different from Experian. While Experian compiles your credit report and determines your credit score, Credit Karma simply shows you credit scores and report information from Equifax and TransUnion. Think of it this way — Credit Karma is like a newspaper that writes about the credit scores other companies give you. But we have no influence over your scores. You can find your Equifax and TransUnion VantageScore 3.0 credit scores on Credit Karma. You have many different credit scores, so some of your credit scores might be higher than the TransUnion and Equifax scores you see on Credit Karma, while others might be lower. But as long as you’re looking at the same version of the same score, the TransUnion and Equifax credit scores you see on Credit Karma should be the same as the Equifax and TransUnion credit scores you find on other websites. What’s next?Whether you’re checking your Experian credit reports on a third-party website or going to Credit Karma to check your Equifax and TransUnion credit reports, it’s important to regularly monitor your credit file for signs of identity theft — and also to get a general picture of your credit health. Credit Karma offers credit-monitoring alerts that help you keep track of activity on your Equifax and TransUnion credit reports. If you’d like to learn more about different types of credit scores, you can check out our articles that explain the VantageScore 3.0 and the newer VantageScore 4.0 credit score models. And if you’d like to learn about how to build credit over time, check out our Credit Karma Guide to Building Credit. |
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