Credit Reporting FAQs

Track Your Credit

Pull your own personal credit report online, Free!

annualcreditreport.com

1. How do I pull my personal credit report?
2. How do I know which report to choose?
3. How can I increase my report matchability (a.k.a. hit rate) on inquiries?
4. What is the standard for the proper disposal of information derived from a consumer report?
5. What price plan fits my needs?

Have another question?

• email info@forius.com
• call (612) 341-9600, or (800) 279-6226

How do I pull my personal credit report?

Forius is an authorized distributor for Experian business credit reports (not personal or consumer credit reports). You may get your personal credit report free once each year through the following government-sponsored website: https://www.annualcreditreport.com/cra/index.jsp Or you may order your report directly through any of the major consumer credit clearinghouses:

 

Experian
PO Box 9595
Allen, TX 75013
Phone: 888-Experian (888-397-3742)
http://www.experian.com

Trans Union
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
Phone: 800/888-4213
http://www.transunion.com

Equifax
P.O. Box 740241
Atlanta, GA 30374-0241
phone: 800/685-1111
http://www.equifax.com

 

 

• top

 

 

How do I know which report to choose?

Use this Report Selection Guide (requires Adobe Acrobat Reader)
as a tool to help you decide which report works best in different situations.

• top

 

 

 

How can I increase my report matchability (a.k.a. hit rate) on inquiries?

Check out these 16 inquiry tips

• top

 

 

What is the standard for the proper disposal of information derived from a consumer report?
The FTC has posted a new rule on June 1, 2005, that explains how to dispose of sensitive information, published here: http://www.ftc.gov/bcp/edu/pubs/business/alerts/alt152.shtm

 

• top

What price plan fits my needs?

• Annual subscription
• Monthly subscription
• Credit card

We also offer a 100% satisfaction guarantee on your initial Annual Subscription Plan agreement. Click here to learn more